Proactive Investigations Analyst

About the role

Here at Tide, we are looking for proactively minded and accomplished Investigators with an in-depth understanding of Fraud and Financial Crime risk mitigation. We need a passionate and experienced individual, who will help ensure Tide is taking all the relevant steps to prevent all aspects of financial crime. As a Proactive Investigator, you will be responsible for conducting in-depth financial crime investigations with a key focus on risk based decisioning, therefore you should be skilled in detecting and investigating financial crime typologies such as money muling, smurfing, fraud scams, human trafficking, terrorist financing, tax evasion and bribery and corruption. You will have experience of carrying out intelligence-led enquiries and be confident in dealing with ambiguous or unusual lines of enquiry. You will have a keen eye for relevant information, identifying trends, correlations and patterns and deriving insights from your analysis. You will be comfortable working autonomously, handling and analysing large data sets and taking appropriate steps to mitigate concerns or to identify suspicious activity. You will be part of our high performing Proactive Investigations team, reporting to the Proactive Investigations Team Leader, and have a proven track record in working to set targets and SLA's. You will be involved in Financial Crime projects working with other teams across the business such as the Fincrime Intelligence Unit and our second line of defence team, so stakeholder management, flexibility and organisational skills are key. As a AML & PA (Investigations) Analyst you'll be: In collaboration with the Fincrime Intelligence Unit, investigating proactive and intelligence-led cases covering all financial crime types, discovering potential links, analysing complex networks and organised crime groups. Identifying correlating factors, patterns and trends, using your insights to build Tide's understanding of financial crime risks and how to mitigate against them Collating information relating to all types of financial crime for inclusion within reports to Law Enforcement Agencies, including SAR submissions Consistently reaching 95% or above in QA/QC checks in all elements of the role Liaising with law enforcement agencies where required and conducting typology and sector reviews Managing your own case load to meet performance targets Supporting the alert review teams through coaching and buddying in how to identify suspicious behaviour Have a keen eye for potential efficiencies and help to embed these Implementing and ensuring timely compliance to new or revised standards and procedures Assisting the Team Leaders and Senior Analysts with other financial crime related tasks and projects as required Conducting phone calls with Tide members who are under investigation

Requirements

• You have between 1-3 years of experience in an Investigations role, specialising in business-related anti-money laundering/fraud investigations at a leading FinTech or bank.
• You are able to work well as part of a team; decisive; goal-oriented; proactive.
• You have a good understanding of the UK regulations (including POCA, TACT) and EU regulations.
• You have excellent verbal, written, and interpersonal communication skills in English
• Experience with conducting phone calls with customers.
• You have conducted investigations, including transaction reviews and third party referrals.
• You are able to multitask and successfully operate in a fast-paced, team environment.
• CAMS or ICA certifications would be a bonus.
• You may also have a university degree.
• WHAT YOU'LL GET IN RETURN:
• Competitive salary
• S

Benefits

Additional Information

A BOUT 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 and now supports over 2 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 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 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly Over $300 million raised in funding Over 2,800 Tideans globally Recognised with Great Place to Work certification three years in a row, and among India's Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026 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, New Delhi, Berlin, Paris and Luxembourg

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