Head of Machine Learning, Ongoing Monitoring

ABOUT THE TEAM:

The Ongoing Monitoring team sits at the core of Tide's trust and safety ecosystem, building the systems that power our fraud detection, financial risk, and regulatory compliance capabilities. As Tide continues to scale, the team is responsible for designing and evolving intelligent, resilient, and adaptive platforms that protect our members and keep the business safe.

Working closely with Product, Data Science, Design, Compliance, and Operations, the team combines deep technical expertise with a strong focus on member experience, ensuring that our risk and monitoring capabilities are both effective and intuitive. This is a high-impact area at a pivotal stage of Tide's growth, offering the opportunity to shape the future of AI-driven fraud and risk management at scale.

ABOUT THE ROLE:

As Head of Machine Learning you will:

• Define and execute a risk engineering strategy: develop plans that align with Tide's long-term vision to ensure that our approach to risk supports rapid and compliant growth.
• Lead a team of talented managers and engineers: foster a culture of excellence, innovation, user-centric design, and collaboration in our engineering team.
• Build and scale risk infrastructure: architect and scale foundational risk systems to support real-time decision-making, effective data management, and advanced fraud prevention.
• Develop self-service tools for internal teams: empower product, compliance, and risk operations teams with extensive and user-friendly risk tooling, enabling independent monitoring and management of risk processes and reducing dependencies for day-to-day operations.
• Support compliance and regulatory standards: collaborate with legal and compliance experts to keep Tide a compliance leader in an evolving regulatory climate.
• Champion data-driven risk management: lead initiatives to leverage data and machine learning in fraud detection and compliance, providing Tide with actionable insights and automated solutions that improve our resilience.

WHAT WE ARE LOOKING FOR:

• Proven leadership in engineering: 12+ years of engineering experience with at least 2 years in a senior leadership role (e.g., head, director, or senior manager), ideally within fintech or regulated technology environments.
• Risk and compliance expertise: deep experience in fraud prevention and compliance (KYC/KYB, AML), ideally within the financial services industry.
• Machine Learning: Strong experience in supervised and unsupervised models, decision trees, neural networks, and Large Language Models (LLMs).
• Agent Frameworks: Hands-on experience with multi-agent orchestration frameworks (e.g., LangGraph, AutoGen) used to build self-correcting compliance workflows.
• Fintech Domain Knowledge: Deep understanding of fraud vectors (e.g., mule accounts, account takeovers, synthetic identity fraud) and AML typologies.
• Adversarial AI Security: Proven track record in detecting deepfakes, synthetic identities, and prompt injection attacks targeting financial systems.
• Risk/Scale: Minimum 3+ years building and deploying production-grade, risk-scoring environments at scale.
• Experience with fintech platforms - risk/compliance tooling (AML, Fraud, Financial Risk, SARs, KYX, agentic AI detections )
• Excellent people leadership skills - you know how to grow and inspire teams.
• Solid technical foundations: cloud-native architectures, microservices, event-driven systems, and data platforms (AWS or GCP).

WHAT YOU'LL GET IN RETURN:

Our location-specific employee benefits are designed to cater to the unique needs of Tideans:

• 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.