Tide - Director of Financial Risk
Requirements
• We're looking for someone who combines deep technical expertise with excellent judgement and the ability to influence across the organisation. • You'll likely have: • Experience operating in a 2LOD leadership role. • Strong knowledge of financial risk frameworks within payment institutions, e-money institutions or digital banking. • Deep expertise across treasury, liquidity, solvability, capital, solvency, statutory reporting and tax risk. • Accounting expertise; ideally with an accounting qualification. • Experience working across multiple regulatory jurisdictions and engaging directly with regulators and auditors. • The ability to balance strong risk management with commercial ambition in a fast-moving business. • Excellent communication skills, with the confidence to influence senior stakeholders and provide independent challenge when it matters. • A collaborative leadership style, with experience building and developing high-performing teams. • Most importantly, you'll enjoy working in a fast-paced environment, be comfortable navigating change, and care about helping Tide build a resilient business that continues to deliver for our members. • 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 • Access to salary sacrifice benefits – like Nursery (could save up to 47% on fees!) and Cycle to Work discounts • Health Insurance – Comprehensive Private family insurance plan • Life & Accident Cover – Comprehensive accidental and life insurance protection • Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops • Retirement Planning – Build your retirement fund faster with Tide’s pension scheme on eligible earnings • 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 • Laptop Ownership – Keep your old laptop and get a new one when it’s time for a replacement • Snacks & Meals – Daily breakfast spread with all-day coffee, tea, and juices • 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. • flexible workplace • 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
Responsibilities
• This is a global role in which you will: • Own and evolve Tide's Financial Risk Management Framework, ensuring it grows with the business as we expand into new markets, launch new products and operate under new licences. • Provide independent oversight and challenge of 1LOD activities relating to financial risks, working mostly with Finance and Treasury. You need to be deeply familiar with how a global Treasury function works, to be able to identify and manage risks arising. • Ensure alignment of financial risk governance across all regulated entities and jurisdictions. • Maintain and enhance financial risk appetite metrics, limits, triggers, and escalation protocols. • Deliver clear and independent reporting to Group and entity-level Risk & Compliance Committees and Boards. • Monitor capital adequacy, liquidity, concentration risks, and financial resilience. • Support regulatory engagements, audits, thematic reviews, and licence applications. • Independently oversee treasury and liquidity management activities. • Review and challenge liquidity forecasting methodologies and stress assumptions. • Maintain existing risk policies and frameworks, and develop new ones as required. • Lead financial risk assessments for new products, partnerships, and market launches. • Partner with other Risk & Compliance teams, various Finance teams, Legal and Internal Audit teams to ensure integrated risk management. • Present concise and insightful risk reporting to Risk & Compliance Committees, and lead on the Financial Risk Working Groups • Lead a high-performing and experienced global financial risk team.
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