Director of Engineering

A BOUT 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: 

The Ongoing Monitoring team sits at the core of Tide’s trust and safety ecosystem, This group is at the heart of how we serve our members, building the systems that power Tide’s fraud, risk, and AML operations. A Director of Engineering at Tide for Fraud, AML and Risk leads the strategic vision and development of AI/ML-driven detection systems. The role requires scaling machine learning models to analyze massive transaction volumes, overseeing model governance, and ensuring compliance with financial regulations. This is a role for someone who loves scaling technology and people. You’ll partner with Product, Risk, and Operations leaders to shape the future of our Ongoing Monitoring platform.

ABOUT THE ROLE:

As a Director of Engineering at Tide you’ll be:

Owning the technology strategy and roadmap for Ongoing Monitoring (Fraud, Financial Risk, AML, AI workflows, tooling, and automation).

Building autonomous, multi-agent workflows that automatically investigate alerts, query external data sources, chain complex reasoning steps, and make initial risk determinations.

Developing detection systems to identify and block adversarial agentic behavior, such as automated bot swarms, deepfake-powered KYC bypasses, and algorithmic fraud loops.

Ensuring all AI systems are auditable, explainable, and aligned with global anti-money laundering (AML) directives and data privacy standards.

Leading and growing multiple engineering squads – building an inclusive, high-performance culture.

Partnering with Product, Data, AI, Risk, and Ops to deliver tools that improve our predictive ML modelling and agentic AI capabilities.

Championing automation, data-driven decision making, and AI/ML opportunities to reduce operational cost and friction.

WHAT WE ARE LOOKING FOR:

15+ years of engineering experience with 5+ years in leadership roles (Director/Senior Director level).

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 5+ 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. 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 .