Fraud Investigation Analyst UK/Europe (6 months contract)

About Tide:

At Tide, we help SMEs save time and money in the running of their businesses by offering business accounts and related banking services, along with connected administrative solutions, from invoicing to accounting. Tide supports over 2 million members globally across the UK, India, Germany and France.

About the Role:

• As a Dispute Analyst, you'll be working in the Ongoing Monitoring team at Tide. You need to be organised and able to remain calm under pressure.
• You will investigate fraud and scam activities, analyse transactions, gather evidence, and work with internal teams and external partners to detect and prevent fraud, protect customer assets, and ensure regulatory compliance. Strong communication skills are essential, as you will interact with Tide members and resolve their queries promptly.
• Your interpersonal skills will be crucial when working with internal and external stakeholders. You must take initiative in a busy, ever-changing environment. Flexibility to work rotational shifts in a 24/7 operational environment is required.

Some of the Things You'll Be Doing:

• Raising chargeback requests on behalf of our members.
• Responding to queries from finance partners and third-party financial institutions.
• Reviewing chargeback/representation documents received from finance partners.
• Ensuring compliance with relevant banking regulations, laws, and industry standards related to fraud prevention, reporting, and customer protection.
• Making fair decisions based on high-quality investigations, in line with external regulations and internal policies.
• Researching and investigating disputed card transactions and performing network analysis.
• Making outbound calls to members, if required, to resolve queries immediately.

What We Are Looking For:

• A minimum of 1+ year of fraud/investigation experience; experience in the banking industry is a plus.
• Keen interest in transaction monitoring, financial crime, or fraud.
• Ability to remain calm under pressure.
• Excellent communication and interpersonal skills to collaborate with internal teams and external stakeholders.
• Ability to adapt to changing priorities, work independently, and make sound decisions in a fast-paced banking environment.
• Problem-solving skills and a willingness to share your solutions.
• Prior customer service experience.

What You'll Get in Return:

• Competitive salary
• Self & Family Health Insurance
• Term & Life Insurance
• OPD Benefits
• Mental wellbeing support 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

Tide Is a Place for Everyone:

At Tide, we believe we can only succeed if we let our differences enrich our culture. We consider everyone irrespective of ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We are One Team and foster a transparent and inclusive environment, where everyone's voice is heard.