Role Description We are seeking a strategic and driven Onboarding KYX Lead to oversee and evolve Tide’s First Line KYC function for new member onboarding. This senior leadership role is critical to ensuring that our onboarding processes are robust, scalable, efficient, and compliant with regulatory expectations in all markets we operate in. - Manage large operational teams. - Drive continuous process improvements. - Ensure adherence to KYC and AML standards. - Collaborate closely with cross-functional stakeholders including Product, Compliance, QA, and Support. - Lead efforts to scale onboarding operations in the UK. - Focus on quality, automation, member experience, and risk mitigation. Qualifications - At least 5 years of senior leadership experience in KYC, onboarding, or AML operations within Financial Services, Fintech, or regulated sectors. - Strong expertise in KYC onboarding frameworks, member due diligence, business verification, and risk assessment processes. - Experience managing large operational teams, with a proven track record of developing people and building culture. - In-depth knowledge of relevant regulatory frameworks (e.g. UK Money Laundering Regulations, EU AMLD, local licensing obligations). - A strong understanding of risk typologies relevant to onboarding: impersonation fraud, synthetic identities, shell companies, PEPs, sanctions, etc. - Demonstrable experience working with Product and Tech teams to implement operational tools, decision engines, and automation solutions. - Excellent communication, influencing, and stakeholder management skills – capable of engaging with senior leaders and regulators. - Fluency in English. - A data-driven mindset – confident in using KPIs, MI, and analytics to drive operational performance and decision making. - Ability to thrive in a fast-paced, scaling business with evolving priorities. Requirements - Lead a high-performing First Line KYC function responsible for all pre-boarding and onboarding activities, including identity verification, business verification, risk profiling, and screening. - Ensure operational execution of Tide’s KYC framework during onboarding. - Design and implement efficient and scalable onboarding workflows aligned with regulatory requirements and internal risk appetite. - Partner with Compliance to embed regulatory changes and new requirements into operational processes. - Own and continuously improve onboarding SLAs, quality controls, and operational metrics to deliver high-quality outcomes at scale. - Define and oversee the use of automation, tooling, and data sources to optimize onboarding throughput and accuracy. - Collaborate with Product and Engineering teams to define onboarding requirements and support feature development and rollout. - Maintain strong oversight over headcount, forecasting, and cost control within the function. - Represent the onboarding KYC function in internal governance forums, risk committees, audits, and regulatory interactions. - Drive a culture of ownership, collaboration, compliance, and member-first mindset across all teams under your remit. Benefits - Self & Family Health Insurance. - Term & Life Insurance. - OPD Benefits. - Mental wellbeing through Plumm. - Learning & Development Budget. - WFH Setup allowance. - Family & Friendly Leaves.

• Serve as the approved UK Money Laundering Reporting Officer (MLRO) and Nominated Officer for Crossmint's UK operations. • Act as the primary point of contact with the FCA, UK law enforcement, FIUs, banking partners, auditors, and regulatory stakeholders. • Maintain oversight of the UK AML/CTF, sanctions, fraud, and financial crime compliance framework. • Prepare and deliver MLRO Annual Reports, Board reporting, risk assessments, governance materials, and regulatory updates. • Lead the development and maintenance of UK-specific AML/CTF policies, procedures, and controls aligned with Crossmint's global framework. • Ensure compliance with applicable UK regulatory obligations, including the Money Laundering Regulations, POCA, sanctions requirements, and broader FCA expectations. • Monitor evolving UK and global cryptoasset, stablecoin, payments, AI, and financial crime regulatory developments. • Support regulatory examinations, audits, licensing processes, independent testing exercises, and ongoing regulator engagement. • Support Board and senior management governance processes relating to AML/CTF, sanctions, fraud, and financial crime risk management.

• Assist in the administration of the Bank Secrecy Act and Fraud Program, with primary emphasis on transaction monitoring, fraud incidents and supporting Figure’s obligations related federal law and regulations associated with the reporting of suspicious activity or criminal activity including money laundering, potential terrorist financing, fraudulently obtained loans, and other activities related to banking and lending. • Monitor assigned operational tasks and identify fraud. Minimize loss by taking action, and escalating incidents to management as appropriate. Deploy mitigation strategies as directed that balance customer satisfaction with fraud prevention. • Maintain a thorough understanding of state and federal laws and regulations related to bank secrecy and anti-money laundering appropriate to the position. • Evaluate customer transactions and applications using manual and automated processes for evidence of Fraud and BSA targeted acts. • Escalate incidents and cases to ensure SARs and Elder Abuse Financial Abuse reports are reported within federal timeframes. Maintain compliance with the Customer Identification Program (CIP), Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), Office of Foreign Asset Control (OFAC) and Elder / Dependent Abuse regulations. • Assist in transaction monitoring and the administration and mitigation of alerts.

Role Description National Consulting Limited (NCL) is actively seeking an experienced professional to assist in the delivery of Anti-Money Laundering (AML) and Anti-Terrorist Financing (ATF) compliance programs requirements to meet the needs of our credit union clients. This position works in conjunction with a team of specialists who report to the department Team Lead, and works closely with credit unions, legal counsel, and regulators. The successful candidate must be able to work independently and as a team in a remote (work-from-home) position. This is a permanent, full-time position (37.5 hours per week). Occasional travel and in-person attendance are sometimes required. Computer equipment is supplied. Key Responsibilities - Support the senior role in the delivery of the AML/ATF compliance program to credit union clients. - Application of AML/ATF legislative requirements, including record keeping, reporting, monitoring and suspicious transaction identification. - Participate in AML/ATF related projects. - With guidance deliver training courses on various AML/ATF related topics. - Work in Verafin, Adobe Acrobat, MS Office 365 applications, SharePoint. Qualifications - 1-4 years’ experience in the credit union or co-operative system providing operational support or in AML and ATF. - Experience with Verafin. - An understanding of regulatory and legislative AML and ATF requirements. - A Canadian AML, ATF or other regulatory compliance or risk management designation would be beneficial. - Strong communication and interpersonal skills; you will build trusting relationships with credit union management and deliver excellent client experience. - As this is a work-from-home position, exceptional organizational and time-management skills are required to succeed in this position. Benefits - A competitive compensation package, with salary aligned with qualifications and experience. - Matched superannuation pension plan. - Comprehensive group coverage (health, dental, life, and disability insurance). - Healthcare spending account. - Wellness flex spending account. - Paid personal days off. How to Apply If being part of our team interests you, please submit a resume and cover letter, in confidence, to hr@nationalconsultinglimited.com by Wednesday, June 10. We appreciate the interest of all applicants; however, only those under consideration will be contacted.