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About the Role

As the Lead, Treasury Policy & Procedures, you will be instrumental in designing, maintaining, and governing Treasury's policy framework and end-to-end Flow of Funds documentation across all products, legal entities, and funding structures. This role ensures Treasury activities are supported by robust governance, clear documentation, and well-defined operating processes that meet regulatory expectations while enabling product innovation. You will collaborate closely with Product, Finance, Risk, Compliance, Legal, and Operations teams, providing Treasury leadership throughout the product development lifecycle to ensure new products and changes are operationally sound, appropriately governed, and accurately reflected within Treasury’s control framework. This is a highly collaborative role requiring the ability to influence senior stakeholders across the business and drive high-quality outcomes without direct authority.

Responsibilities

Own the Treasury policy framework, ensuring policies remain current, effective, and aligned with business strategy and regulatory expectations.
Develop, maintain, and periodically review Treasury policies, standards, procedures, and governance documentation.
Ensure Treasury controls are appropriately documented and embedded within operational processes.
Coordinate policy approvals through relevant governance committees.
Maintain a structured policy review program and oversee remediation of policy gaps.
Lead the design, preparation, and maintenance of end-to-end Flow of Funds documentation for all products, payment journeys, and legal entities.
Produce clear, accurate, and comprehensive Flow of Funds diagrams and supporting documentation.
Ensure documentation accurately reflects operational processes, safeguarding arrangements, funding structures, settlement flows, and Treasury responsibilities.
Maintain documentation throughout the product lifecycle, ensuring it remains current as products evolve.
Act as the Treasury subject matter expert for Flow of Funds during internal governance, audits, and regulatory reviews.
Partner with Product Managers from concept through launch to ensure Treasury requirements are incorporated into product design.
Challenge and influence product designs to ensure they are operationally efficient, scalable, and compliant with Treasury policies.
Translate complex product designs into clear Treasury operating models and Flow of Funds documentation.
Represent Treasury within product governance forums and change initiatives.
Build strong relationships across Product, Finance, Risk, Compliance, Operations, Legal, and Engineering.
Influence senior stakeholders to adopt robust governance and documentation standards.
Provide Treasury expertise on new business initiatives, acquisitions, and strategic projects.
Coordinate cross-functional reviews to ensure documentation reflects end-to-end business processes.
Establish documentation standards and best practice across Treasury.
Identify opportunities to simplify processes and improve governance.
Drive consistency across products, countries, and legal entities.
Support regulatory reviews, internal audit, and external audit requests relating to Treasury governance.

Requirements

Significant Treasury experience within a fintech, digital bank, or retail banking environment.
Strong understanding of payment flows, safeguarding, liquidity management, and Treasury operations.
Experience developing Treasury policies, governance frameworks, or operational procedures.
Demonstrable experience producing and maintaining Flow of Funds documentation.
Excellent stakeholder management skills with the ability to influence Product Managers and senior business leaders without direct authority.
Strong written communication skills with the ability to simplify complex processes into clear documentation.
Proven ability to manage multiple concurrent initiatives within a fast-paced environment.
Experience supporting new product launches within a regulated financial services business.
Understanding of payment schemes, acquiring, issuing, lending, and customer funds.
Knowledge of FCA or equivalent regulatory expectations relating to Treasury governance and safeguarding.
Experience working with international or multi-entity Treasury structures.

Skills

Treasury Policy
Governance Frameworks
Flow of Funds Documentation
Stakeholder Management
Written Communication
Process Simplification
Regulatory Compliance
Payment Flows
Liquidity Management
Treasury Operations

Location

Central London

Work Type

Flexible workplace model
Remote work supported
In-person interactions encouraged

Experience Level

Lead

Salary/Compensations

Competitive salary and share options

Benefits

Generous annual leave on top of bank holidays
Paid maternity, paternity, and adoption leave
Extended unpaid and paid leave options after completing milestone years with Tide
Access to salary sacrifice benefits (Nursery, Cycle to Work)
Comprehensive Private family insurance plan
Comprehensive accidental and life insurance protection
Access to therapy sessions, courses, meditations, and workshops
Pension scheme on eligible earnings
Paid days annually for volunteering or personal growth
Annual budget for books, courses, coaching, and more
Work from abroad for up to 90 days annually
Contribution towards setting up your home office
Keep your old laptop and get a new one when it’s time for a replacement
Daily breakfast spread with all-day coffee, tea, and juices

About the Company

Tide helps 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 and supports over 2 million members globally across the UK, India, Germany, and France.
Tide uses advanced technology with solutions designed for SMEs, focusing on quick onboarding, low fees, and innovative features.
Tide's mission is to help SMEs save time and money so they can focus on their core business.
Tide has over 2 million members, has raised over $300 million in funding, and has over 2,800 employees globally.
Tide has received Great Place to Work certification three years in a row and was recognized among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026.
Tide has offices in Central London and various technology and member support centers globally, including Sofia, Bulgaria; Serbia; Romania; Lithuania; Hyderabad; Gurugram; New Delhi; Berlin; Paris; and Luxembourg.

Equal Opportunity

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.
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.