Analyst, Bank Payments 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.

Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love.

What We Are Looking For

We are looking for a driven Fraud Alert Review Analyst with a good understanding of all concepts of Fraud. We need a passionate and proactive individual, who will help ensure Tide is taking all relevant steps to detect and prevent all aspects of fraud.

This role is a key element of our Ongoing Monitoring team sitting within the first line of defence (1LOD). You will be responsible for ensuring we detect suspicious fraudulent activity, whilst providing great service to our members. You will do this through monitoring transactions and behaviours across our member base, whilst spotting and investigating potentially suspicious activity.

Responsibilities

• Analysing transactions across a variety of payment types and products, looking for signs of Fraud
• Confident in calling out potential efficiencies in our tools and processes used for transaction analysis
• Confident in using a variety of tools to undertake different types of reviews and investigations, including open source investigation
• Managing your own case load to meet performance targets
• Consistently reaching the targets for Productivity and Quality
• 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
• Make recommendations for process improvements to prevent future occurrences of fraud
• Establish good relationships with various departments throughout Tide to ensure good operational synergy
• Treating Tide members fairly by taking responsibility to ensure that their needs are met
• Conducting phone calls if required when gathering information from our members

What Makes You a Great Fit

• You are willing to work in a flexible shift pattern in a 24/7 operational environment
• 1 to 3 years of experience in a Transaction monitoring, Fraud risk related role in financial services
• A good eye for detail and are able to identify suspicious activity
• Ability to work well as part of a team; decisive; goal-oriented; proactive
• A genuinely curious mindset, asking the right questions at the right times, with a problem solving attitude
• You have C1/C2 level of spoken and written English
• A keen eye for process improvements, looking how we can work leaner and more robustly
• An analytical mind and are able to digest large data sets and spot patterns and trends with ease
• A quick learner, explorer, multitasker and are happy to be in the defined shift
• Exceptional communication skills, written and verbal. Able to communicate with our members (including via telephone), internal stakeholders and regulatory bodies if required

What You Will Get in Return

Make work, work for you! We are embracing new ways of working and support flexible working arrangements. With our Working Out of Office (WOO) policy, our colleagues can work remotely from home or anywhere in their home country. Additionally, you can work from a different country for 90 days of the year. Plus, you will get:

• Competitive salary
• Self & Family Health Insurance
• Term & Life Insurance
• OPD Benefits
• Mental wellbeing through Plumm
• Learning & Development Budget
• WFH Setup allowance
• 15 days of Privilege leaves
• 12 days of Casual leaves
• 12 days of Sick leaves
• 3 paid days off for volunteering or L&D activities
• Night Shift Allowance
• Flexible working: you will have to visit the Hyderabad office 4 times a year and during high-level leadership visits. You will be notified at least 2 weeks in advance

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.