Senior Analyst, AML Analytics

Tide

India, HyderabadPosted 26 days ago

Skill Required

UK/ Europe RegionEngineeringObservabilityData StructuresdesigningSparkPythonPandasdesignSQL

Key highlights

Competitive salary and share options
4+ years of experience in data analytics (financial crime/risk preferred)
Private family health insurance
Work from abroad for up to 90 days annually
Proficiency in SQL, Python, Pandas, and PySpark 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. Tide is transforming the small business banking market with over 2 million members globally. This role is for a Senior Analyst, AML Analytics, who will be a key technical and statistical designer of Tide's AML monitoring controls. The role involves designing advanced monitoring models, optimizing detection frameworks, implementing risk-based controls, ensuring model integrity, and driving innovation in AML analytics to strengthen detection capabilities and ensure scalability.

Responsibilities

Designing and Developing Advanced Monitoring Models: Be the technical and statistical architect for Tide's AML monitoring controls, leading the evolution from simple transaction-level triggers to sophisticated, behaviour-based models that provide a holistic view of member activity.
Optimising and Enhancing the Detection Framework: Apply advanced statistical methods and optimisation techniques to continuously refine the monitoring framework, strategically balancing key objectives like increasing the detection of suspicious activity while strengthening operational productivity.
Implementing Targeted, Risk-Based Controls: Translate emerging AML typologies and risk policies into effective, data-driven logic, including developing and deploying robust member segmentation strategies to ensure monitoring is precisely targeted and aligned with risk.
Ensuring Model Integrity and Transparency: Create and maintain clear, audit-ready technical documentation for all models and controls, ensuring work is transparent, explainable, and defensible to both internal and external stakeholders.
Driving Strategic Innovation in AML Analytics: Actively contribute to the AML Analytics roadmap by identifying and championing new opportunities to innovate, helping shape the future of detection capabilities in line with continuous improvement.

Requirements

A minimum of 4 years of experience in a data analytics function, with a strong preference for roles within financial crime or risk management function.
High level of proficiency in SQL and Python, with extensive hands-on experience using libraries like Pandas and PySpark to build, validate, and optimise complex models from large datasets.
Demonstrable experience applying optimisation algorithms and statistical methods to solve real-world problems, such as balancing model precision and recall or managing alert volumes.
The proven ability to translate abstract concepts, such as emerging money laundering typologies or risk policies, into concrete, data-driven monitoring logic.
A strong understanding of the principles behind financial crime regulatory frameworks and their practical application in the design of transaction monitoring systems.
Exceptional communication skills, with a proven ability to explain complex technical and statistical concepts (like model design and optimisation trade-offs) to both technical and non-technical stakeholders.

Benefits

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

Additional details

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 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
ABOUT THE TEAM: Exciting opportunity for an experienced leader to work in our Ongoing Monitoring team. As a member of the team, we're looking for someone who is passionate about customer experience and fighting financial crime and wants to help drive our business forward as we continue to grow and expand in new markets. Ongoing Monitoring sits in our first line of defence (1LoD) operations’ department, responsible for monitoring the activity of our SME customers (‘members’) for the purpose of preventing, detecting and reporting sanctions, money laundering, terrorism financing, tax evasion, bribery and corruption, money mules and fraud. It's an opportunity to work with an amazing team across multiple geographies, including analysts, team leaders, product and engineering managers, data scientists and operations managers. The role has exposure to many senior stakeholders across the business and is at the heart of what we do to protect our customers.
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 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.