Analyst, Acquiring AR&I, Preventive Fraud (6 months contract)

About 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.

About the Role:

As an Alert Review analyst you'll be:

• Undertaking full profile reviews based on potentially suspicious triggers or periodic timeframes.
• Own the analysis of risk data, identify trends, red flags and develop an in-depth understanding of the risk profile of our acquiring products.
• Monitor compliance with the acquiring products' risk appetite, acceptance and risk performance.
• Monitor real-time and post-transaction activity for both acquiring merchants and issuing cardholders.
• Identify unusual merchant behaviors using Merchant Category Codes (MCCs), velocity checks, and transaction anomalies.
• Identify and manage Compromised Cards scenarios through data analysis and alert trends. Recommend card-blocking or merchant suspension actions where necessary.
• Document investigation findings accurately within the case management system.
• Prepare clear and concise SAR (Suspicious Activity Report) narratives, ensuring regulatory and internal standards are met.
• Maintain thorough records of evidence, decision-making rationale, and case progression steps.
• Ensure timely closure of assigned cases while meeting quality and compliance expectations.
• Contact cardholders/members through outbound calls to validate suspicious transactions and gather additional information.
• Communicate professionally with merchants when clarification or additional data is required.
• Provide clear explanations and support to cardholders regarding fraud concerns or next steps.
• Ensure adherence to internal fraud risk policies, card network rules, and regulatory guidelines. Stay updated on fraud trends and emerging threats in the digital payments ecosystem.
• Actively identify gaps, inefficiencies, and opportunities within current workflows.
• Provide process improvement suggestions to enhance fraud detection accuracy, reduce false positives, and improve customer experience.
• Establish good relationships with various departments throughout the organisation to ensure good operational synergy.
• Participate in internal and external training programs related to fraud offences detection and prevention and other subjects that may form part of the day-to-day work requirements.
• Treat Tide members fairly by taking responsibility to ensure that their needs are met.

What We Are Looking For:

What makes you a great fit:

• 1-3 years of experience in transaction monitoring, fraud investigations, financial crime, Money Laundering and card operations (Acquiring and Issuing).
• Have a strong understanding of risks and relevant controls involved in B2B merchant onboarding, payments transaction monitoring (incl. declines/chargebacks/disputes) and ongoing in-life monitoring.
• Worked in cross-functional set up with strong analytical skills, data driven mindset and ability to work independently.
• Strong understanding and experience of CDD and EDD processes.
• Proficiency with analytical tools and visualisation software (e.g., Excel, Tableau, Looker).
• Attention to detail and quality of the deliverables with growth mindset & extreme ownership.
• A growth, can-do and customer oriented mindset with extreme ownership.
• Willing to work in flexible shift schedules and rotational week-offs.

Strong Knowledge Of:

• Payment processes
• Merchant Category Codes (MCCs)
• Fraud patterns and indicators
• Regulatory reporting standards (e.g., SAR)
• Proficiency in case management tools and transaction monitoring platforms.
• Experience contacting cardholders/members through outbound verification calls.

What You'll Get In Return:

• Competitive salary
• Self & Family Health Insurance
• Term & Life Insurance
• OPD Benefits
• Mental wellbeing through Plumm
• Learning & Development Budget
• WFH Setup allowance
• 25 Annual leaves
• Family & Friendly Leaves

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.

We are One Team and foster a transparent and inclusive environment, where everyone's voice is heard.