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. 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. Tide facts: Tide is available for UK, Indian, German and French SMEs Over 2 million members globally and rapidly growing Over $300 million raised in funding 3,000 Tideans globally Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026 We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg 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.