Team Leader Acquiring AR&I Preventive Fraud OM
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 lead, manage, and mentor Transaction Monitoring Analysts while managing capacity, priorities, and work allocation. You will oversee acquiring and merchant-payment monitoring, investigate suspicious activity, and ensure compliance with AML and card-network rules. You will develop fraud-reduction strategies, use transaction data to improve monitoring and risk controls, keep the team informed of emerging fraud trends, and represent the function to stakeholders and auditors.
Requirements
- Willingness to work flexible shift patterns
- 3 to 5 years of experience in merchant banking, card acquiring, merchant acquiring, transaction monitoring, or merchant card payments
- Experience with automated processes and data-driven decisioning tools or culture
- Leadership experience managing teams in a fast-paced, high-volume environment
- Understanding of card acquiring processes, merchant acquiring systems, payment networks, and fraud detection methodologies
- Ability to interpret transaction data and identify fraud patterns
- Communication and stakeholder management skills
- Experience handling escalations and coordinating cross-functional teams
Responsibilities
- Lead, manage, and mentor Transaction Monitoring Analysts
- Conduct performance reviews and develop training plans
- Forecast capacity and manage team resources, priorities, and work allocation
- Supervise acquiring transaction monitoring and suspicious-activity detection
- Oversee monitoring of merchant acquiring activities, including authorizations, settlements, chargebacks, and disputes
- Ensure compliance with AML requirements and card-network rules
- Develop fraud-reduction strategies for merchant card payments
- Use data insights to improve transaction monitoring and fraud mitigation
- Monitor emerging fraud trends and improve risk policies, procedures, and controls
- Foster operational efficiency and continuous improvement
- Represent the area to stakeholders and auditors
