Analyst Acquiring AR&I Preventive Fraud
Tide is a UK-founded fintech business financial platform providing banking and financial-management services to small businesses and sole traders.
About Tide
Tide Platform Limited operates Tide, offering business accounts, payments, accounting and tax tools, savings, payroll, and business finance. Tide is FCA-authorised for electronic-money and payment services and is not itself a bank; its business bank accounts are provided through partner banks including ClearBank.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will review suspicious acquiring activity and merchant risk, investigate alerts and transaction anomalies, document findings, prepare SAR narratives, and contact members or merchants when needed. You will recommend risk actions and process improvements while meeting quality and compliance standards.
Requirements
- 1–3 years of experience in transaction monitoring, fraud investigations, financial crime, money laundering, or card operations
- Understanding of B2B merchant onboarding, payment transaction monitoring, chargebacks, disputes, and ongoing monitoring
- Experience with CDD and EDD processes
- Proficiency with Excel, Tableau, or Looker
- Knowledge of payment processes, Merchant Category Codes, fraud indicators, SAR reporting, case-management tools, and transaction-monitoring platforms
- Experience conducting outbound verification calls
- Willingness to work flexible shifts and rotational week-offs
Responsibilities
- Conduct profile reviews triggered by suspicious activity or periodic reviews
- Analyse acquiring risk data, trends, red flags, and merchant risk profiles
- Monitor real-time and post-transaction activity
- Identify unusual merchant behaviour, compromised-card scenarios, and transaction anomalies
- Document investigations and maintain case records
- Prepare SAR narratives
- Contact cardholders and merchants to validate suspicious activity
- Recommend card-blocking or merchant-suspension actions
- Ensure adherence to fraud policies, card-network rules, and regulatory guidelines
- Recommend workflow improvements
Benefits
- Self and family health insurance
- Term and life insurance
- OPD benefits
- Mental wellbeing support through Plumm
- Learning and development budget
- WFH setup allowance
- 25 annual leave days
- Family and friendly leave
