KYC Controls & Data Insights Manager at Careers at Tide · Sofia

ABOUT TIDE At Tide we help SMEs save time (and money) in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions from invoicing to accounting. Tide is transforming the small business banking market with over 1.8 million members globally across the UK, India, Germany and France. Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data-driven decisions to serve our mission: to help SMEs save both time (and money) so they can get back to doing what they love. Tide facts: Tide is available for UK, Indian, German and French SMEs Over 1.8 million members: 800,000 UK and 1,000,000 in India and growing rapidly Over $300 million raised in funding Over 2,500 Tideans globally - we’re diversity champions! We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram and New Delhi, and in Berlin, Paris and Luxembourg. ABOUT THE TEAM: This role sits within the KYC Policy function and is responsible for analysing KYC data in response to known or emerging risks, typologies, incidents, audit findings, 2LOD feedback, SAR feedback, fraud signals, or operational escalations. The role does not own end-to-end proactive typology detection or financial crime investigations. Instead, it supports KYC Policy by assessing how identified risks manifest in KYC onboarding and reKYC data, evaluating whether existing KYC controls are adequate, and recommending proportionate enhancements to KYC policies, procedures, rules, and control design. ABOUT THE ROLE: As a KYC Controls & Data Insights Manager you will: Analyse KYC data in response to known typologies, incidents, SAR feedback, fraud intelligence, 2LOD findings, audit issues, or operational escalations Assess whether the typology is visible in KYC onboarding or reKYC data and identify the size, nature, and risk profile of the affected population Review whether current KYC controls are capable of detecting or mitigating the identified risk. This could include reviewing: Onboarding rules, ID&V outcomes, Screening outcomes, KYB checks, SpDD (Specialised Due Diligence) triggers, Manual review outcomes, Rejection reasons, ReKYC (periodic review) outcomes Translate findings into practical recommendations, such as: New or amended onboarding rules, Refined SpDD triggers, Changes to manual review guidance, New data capture requirements, Adoption of new risk mitigating tools, Revised procedures or changes to KYC policy standards where needed Maintain and enhance existing feedback loop between KYC Policy and teams such as OM, SAR, Fraud, Risk, 2LOD, Product, and Engineering. Ensure that external signals are converted into clear KYC impact assessments and control recommendations Support Product and Engineering with requirements for implementing KYC control changes WHAT WE ARE LOOKING FOR: Proven experience in data analysis, pattern recognition, or control effectiveness assessment and working with large datasets, with SQL, Python, or similar tools, including Looker being a strong plus Proven experience in analysing known financial crime risks, typologies, or operational issues and translating findings into practical control improvements Strong background in: Financial crime, AML, fraud risk, or onboarding risk, KYC/KYB and onboarding controls, CDD, EDD/SpDD (Specialised Due Diligence), screening, ID&V, and business verification processes Ability to translate analytical findings into practical control improvements, work cross functionally with Product, Engineering, and Compliance and explain complex data led findings clearly to non-technical audiences Strong understanding of: ID&V processes and tools, for example Onfido, PostIdent, eID, or equivalent providers; Strong understanding of: Onboarding abuse, organised fraud, mule activity, synthetic identity, document misuse, coordinated application patterns and how financial crime risks can manifest across onboarding and reKYC journeys WHAT YOU’LL GET IN RETURN: 25 days paid annual leave 3 paid days off for volunteering or L&D activities Extended maternity and paternity leave covered by the company Personal L&D budget per year Additional health & dental insurance Mental wellbeing platform Snacks, light food, drinks in the office WFH equipment allowance TIDEAN WAYS OF WORKING At Tide, we champion a flexible workplace model thatsupports both in-person and remote work to cater to the specific needs of our different teams. While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community. TIDE IS A PLACE FOR EVERYONE At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives. We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard. At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard. Disclaimer It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that: Tide does not charge any fees at any stage of the recruitment process. All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel. Communication from Tide will only come from an official @tide.co email address. Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf. If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process. Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy. Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.