We present the discovery of a luminous X-ray transient, serendipitously detected by Swifts X-ray Telescope (XRT) on 2020 February 5, located in the nucleus of the galaxy SDSS J143359.16+400636.0 at z=0.099 (luminosity distance $D_{rm L}=456$ Mpc). The transient was observed to reach a peak luminosity of $sim10^{44}$ erg s$^{-1}$ in the 0.3--10 keV X-ray band, which was $sim20$ times more than the peak optical/UV luminosity. Optical, UV, and X-ray lightcurves from the Zwicky Transient Facility (ZTF) and Swift show a decline in flux from the source consistent with $t^{-5/3}$, and observations with NuSTAR and Chandra show a soft X-ray spectrum with photon index $Gamma=2.9pm0.1$. The X-ray/UV properties are inconsistent with well known AGN properties and have more in common with known X-ray tidal disruption events (TDE), leading us to conclude that it was likely a TDE. The broadband spectral energy distribution (SED) can be described well by a disk blackbody model with an inner disk temperature of $7.3^{+0.3}_{-0.8}times10^{5}$ K, with a large fraction ($>40$%) of the disk emission up-scattered into the X-ray band. An optical spectrum taken with Keck/LRIS after the X-ray detection reveals LINER line ratios in the host galaxy, suggesting low-level accretion on to the supermassive black hole prior to the event, but no broad lines or other indications of a TDE were seen. The stellar velocity dispersion implies the mass of the supermassive black hole powering the event is log($M_{rm BH}$/$M_{odot}$)$=7.41pm0.41$, and we estimate that at peak the Eddington fraction of this event was $sim$50%. This likely TDE was not identified by wide-field optical surveys, nor optical spectroscopy, indicating that more events like this would be missed without wide-field UV or X-ray surveys.
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