AML & Prohibited Activities (Investigations) Analyst
Tide
India, HyderabadPosted 26 days ago
Skill Required
UK/ Europe RegionEngineeringObservabilitywritten
Key highlights
- 2 to 4+ years of experience in Transaction Monitoring or Financial Crime risk required
- Flexible working options including remote work and 90 days abroad per year
- 27 days holiday + 3 days L&D/volunteering time off
- Group Life Insurance and Enhanced family-friendly leave
- C1/C2 level English required
- Great Place to Work certified
Role overview
At Tide, we help SMEs save time and money by offering business accounts, banking services, and administrative solutions like invoicing and accounting. This role is part of the Ongoing Monitoring team within our first line of defence (1LOD) operations, responsible for preventing, detecting, and reporting financial crimes such as sanctions evasion, money laundering, terrorism financing, tax evasion, bribery, corruption, money mules, and fraud. The Alert Review Analyst will monitor transactions, investigate suspicious activity, and ensure compliance while protecting Tide’s members.
Responsibilities
- Monitor and investigate alerts generated by automated transaction monitoring and sanctions screening systems.
- Conduct comprehensive, risk-based reviews of customer accounts and transaction histories to identify suspicious patterns or activities that deviate from a customer's normal behavior.
- Synthesize information from various sources, including customer profiles (KYC/CDD), public records, adverse media, and internal data.
- Assess the transactional activity in the context of financial crime typologies across a variety of payment types and financial products offered.
- Draft a concise, yet comprehensive report on findings prior to discounting the alert or reporting suspicious activity.
- Contact the member (customer) via email, chat, or by phone to seek additional contextual information without tipping off.
- Contact representatives of partner banks via emails in cases where a financial crime investigation is required on Tide’s member.
- Draft and present detailed, well-reasoned SAR (Suspicious Activity Report) recommendations to experts responsible for filing SARs to regulatory authorities.
- Construct a clear, concise, and defensible narrative outlining the suspicious activity, the investigative steps taken, and the rationale for the recommendation.
- Ensure all supporting documentation and evidence is accurately compiled and included in the case file for audit purposes.
- Analyze potential sanctions hits against international lists (e.g., OFAC, EU, UN, HMT) for cross-border payment transactions.
- Apply a risk-based approach to differentiate between a true match and a false positive based on criteria like phonetic similarities, aliases, and supporting data.
- Escalate confirmed sanctions hits to management immediately for asset blocking or reporting.
- Gain in-depth understanding of the technology and tools that aid in the alert review and analysis.
- Proactively call out potential efficiencies in tools and processes used for transaction analysis.
- Manage your own caseload to meet performance targets (Productivity, Quality, and Customer Experience).
- Participate in internal and external training programs related to fraud offences detection and prevention and other subjects that may form part of the day-to-day work requirements.
- Treat Tide members fairly by taking responsibility to ensure that their needs are met.
- Make recommendations for process improvements to prevent future occurrences of fraud.
- Establish good relationships with various departments throughout the organisation to ensure good operational synergy.
Requirements
- Good understanding of Financial Crime Typologies including money laundering, terrorist financing, fraud, sanctions evasion, bribery, tax evasion, and suspicious activities reporting.
- Passionate and proactive approach to ensuring Tide takes all relevant steps to detect and prevent financial crime.
- Understanding of financial crime in a global financial setup with a specific focus on UK and Europe geography.
- Exceptional communication skills in English (both written and speaking).
- Ability to use expert judgement to recommend if a case warrants filing of a Suspicious Activity Report (SAR).
- 2 to 4+ years of experience in a Transaction Monitoring, Financial Crime risk-related role in financial services.
- Analytical mind with the ability to digest large data sets and spot patterns and trends with ease.
- C1/C2 level of spoken and written English.
- Open to flexible shift timings and patterns (five days working with two days off, not necessarily weekends).
Nice to have
- Keen eye for process improvements, looking at how we can work leaner and more robustly.
Benefits
- Flexible working options
- Group Life Insurance
- 27 days holiday
- 3 days for L&D or volunteering time off per year
- Professional L&D budget per year
- Snacks, light food, drinks in the office
- Enhanced family-friendly leave
- Sabbatical leave
- Working Out of Office (WOO) policy allowing remote work from home or anywhere in the home country, plus the ability to work from a different country for 90 days of the year.
Additional details
- 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.
- Offices in Central London, Sofia (Bulgaria), Serbia, Romania, Lithuania, Hyderabad, Gurugram, New Delhi, Berlin, Paris, and Luxembourg.
- Tide is a place for everyone, celebrating diversity in ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran status, neurodiversity, or disability.
- Commitment to transparency, inclusivity, and ensuring everyone’s voice is heard.
- Disclaimer: Tide does not charge fees at any stage of recruitment. All official job opportunities are listed on Tide’s Careers Page. Communication from Tide will only come from an @tide.co email address. Tide does not work with unauthorized agencies or recruiters.
- Tide leverages AI to enhance the hiring experience (see AI Policy).
- Personal data will be processed in accordance with Tide's Recruitment Privacy Notice.