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Tea, we hear, then a lady finds liqueur (3,5)

Ross

I believe the answer is:

tia maria

I'm a little stuck... Click here to teach me more about this clue!

'liqueur' is the definition.
(I've seen this before)

'tea we hear then a lady' is the wordplay.
I cannot really understand how this works, but
'tea' could be 't' (I've seen this in other clues) and 't' is found in the answer.
'a' is within the answer.
'lady' could be 'maria' (I've seen this before) and 'maria' is found in the answer.
A single letter 'i' remains which might be clued in a way I don't understand.
This may be the basis of the clue (or it may be nonsense).

'finds' acts as a link.

Can you help me to learn more?

(Other definitions for tia maria that I've seen before include "Coffee flavoured liqueur" , "Rum-based coffee liqueur" , "Coffee-flavoured Caribbean liqueur" , "drink is served?" , "Coffee-flavour liqueur" .)

I've seen this clue in The Telegraph.
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