Senior Product Manager (AML) at Tide

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 Role As Senior Product Manager for Ongoing Monitoring, you will be responsible for the product strategy and roadmap for compliance related transaction risk screening across Tide’s member base, with a core focus on AML, CTF and PEP/Sanctions. This includes the systems, workflows and decisioning that help Tide detect, assess and respond to suspicious activity, while balancing compliance, operational efficiency and member experience. You will own the product experience for key transaction risk processes, from alert generation and prioritisation through to investigation, case handling and downstream actions. You will work at the intersection of product, operations, data, engineering, risk and compliance to build effective, scalable and well-controlled solutions that support Tide’s growth across markets. Key Responsibilities Define and execute the product vision: Develop and maintain a clear product roadmap aligned with business objectives, operational needs and regulatory requirements for Ongoing Monitoring. Customer and operational advocacy: Champion both the member experience and the internal user experience throughout the monitoring and investigation lifecycle. Understand pain points for members, investigators and operations teams, and translate them into product requirements. Risk Management: Collaborate closely with risk, compliance and financial crime teams to ensure transaction monitoring and case management capabilities meet relevant regulatory expectations across AML, CTF and sanctions controls. Product Development & Delivery: • Define and prioritise product features and enhancements across monitoring, alert handling, investigations and controls • Work closely with engineering, design, data science and analytics teams to deliver high-quality monitoring solutions • Manage the product lifecycle from discovery and conception through launch and ongoing iteration • Partner with design to improve both the digital member experience and the internal investigator and operations experience, driving better efficiency, consistency and control Data Analysis & Insights: Analyse operational, customer and risk data to identify improvement opportunities, monitor performance and inform product decisions. Use KPIs to optimise effectiveness, quality, speed and cost. Stakeholder Management: Effectively communicate product strategy, roadmap and trade-offs to internal stakeholders including senior leadership, operations, risk and compliance teams, and cross-functional partners. What We're Looking For We are looking for an exceptional product manager to join Tide’s Ongoing Monitoring team as we build global scalable transaction risk capabilities that strengthen Tide’s financial crime controls while enabling sustainable growth. This role sits in a complex, high-impact space where strong product judgement, comfort with ambiguity and the ability to work across a matrix are essential. A unique role, you’ll be able to bring the vision to life whilst playing a leading role within Tide’s product team. Working alongside experienced product professionals and hand-in-hand with senior developers, data scientists, analysts, operation managers and risk experts, you will research, build, ship and improve products that sit at the heart of Tide’s financial crime operations. • You’ve spent at least seven years building products, with strong experience in financial crime, AML, transaction monitoring, sanctions, fraud or related risk domains • You have a strong understanding of AML, CTF and PEP/Sanctions controls, and how transaction monitoring operates in practice • You have experience designing and delivering customer-centric and operations-centric products in a digital environment • You have strong analytical and problem-solving skills, with the ability to use data to identify issues, prioritise opportunities and drive decisions • You have expertise in back-office tools, automation, deflection strategies, and GenAI-driven innovations • You are an excellent communicator who can work effectively across product, engineering, operations, analytics, risk and compliance • You are comfortable operating in a dynamic and ambiguous environment, and can create clarity where process or structure is still emerging • You have experience with Agile methodologies and modern product development tools • You have familiarity with financial services and the regulatory landscape • You have proven experience working with design teams to create effective user experiences, with a focus on improving both internal user satisfaction and operational efficiency • You are comfortable working in a fast-moving company where priorities can change and where some processes need to be built from scratch • You have experience working closely with risk & compliance teams as well as operations teams • Experience in transaction monitoring, alerting systems, case management, investigations tooling or operational workflow products would be highly valuable WHAT YOU’LL GET IN RETURN: • Competitive Compensation - competitive salary and share options • Time Off – Generous annual leave on top of bank holidays. • Parental Leave – Paid maternity, paternity, and adoption leave to support your family journey. • Sabbatical – Extended unpaid and paid leave options after completing milestone years with Tide. • Health Insurance – Private family insurance with additional OPD coverage and top-up options. • Life & Accident Cover – Comprehensive accidental and life insurance protection. • Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops. • Volunteering & Development Days – Paid days annually for volunteering or personal growth. • Learning & Development – Annual budget for books, courses, coaching, and more. • WOO (Work Outside the Office) – Work from abroad for up to 90 days annually. • Home Office Setup – Contribution towards setting up your home office • Laptop Ownership – Keep your old laptop and get a new one when it’s time for a replacement. • Snacks & Meals – Office perks with snacks, coffee, tea, and lunch (location dependent). Tidean Ways of Working At Tide, we champion a flexible workplace model that supports 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 [Upgrade to PRO to see contact] 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. 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