Analyst, Acquiring AR&I, Preventive Fraud

Tide Software BV; Hyderabad; On-site; INR 600,000 - 900,000; Full time

Job summary

Tide Software BV is seeking a Fraud Analyst to review profiles, monitor risk data, and manage suspicious activity reports within digital payments. The role involves monitoring real-time and post-transaction activity for merchants and cardholders, identifying fraud patterns, and ensuring compliance with SAR requirements.

Ideal candidates have 1–3 years in financial crime, strong data analysis skills, and proficiency with Excel, Tableau, and Looker. Flexible shift schedules may apply.

Qualifications

• 1-3 years in transaction monitoring or fraud investigations.
• Experience with CDD/EDD processes and regulatory requirements.
• Proficiency with Excel, Tableau and Looker for data analysis.
• Attention to detail with a data-driven mindset.

Responsibilities

• Undertaking full profile reviews based on triggers or timeframes.
• Own the analysis of risk data and identify trends and red flags.
• Monitor compliance with risk appetite and performance.
• Monitor real-time and post-transaction activity for merchants and cardholders.
• Identify unusual merchant behaviours using MCCs, velocity checks, etc.
• Document investigation findings in the case management system.

Skills

Analytical skills

Data-driven mindset

Cross-functional collaboration

CDD/EDD knowledge

Education

CDD/EDD processes

Tools

Excel

Tableau

Looker

Job description

Job Summary

• 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.
• Provide process improvement suggestions to enhance fraud detection accuracy, reduce false positives, and improve customer experience.
• Establishing good relationships with various departments throughout the organisation to ensure good operational synergy
• Participate in internal and external training programs related to fraud offences detection and prevention and other subjects that may form part of the day-to-day work requirements.
• Treating Tide members fairly by taking responsibility to ensure that their needs are met

What We Are Looking For

• 1-3 years of experience in transaction monitoring, fraud investigations, financial crime, Money Laundering and card operations (Acquiring and Issuing).
• Have a strong understanding of risks and relevant controls involved in B2B merchant onboarding, payments transaction monitoring (incl. declines/chargebacks/disputes) and ongoing in-life monitoring.
• Worked in cross-functional set up with strong analytical skills, data driven mindset and ability to work independently
• You have strong understanding and experience of CDD and EDD processes.
• Proficiency with analytical tools and visualisation software (e.g., Excel, Tableau, Looker)
• Attention to detail and quality of the deliverables with growth mindset extreme ownership.
• A growth, can-do and customer oriented mindset with extreme ownership.
• Willing to work in flexible shift schedules and rotational week-offs.

Strong knowledge of

• Payment processes
• Merchant Category Codes (MCCs)
• Fraud patterns and indicators
• Regulatory reporting standards (e.g., SAR)
• Proficiency in case management tools and transaction monitoring platforms.
• Experience contacting cardholders/members through outbound verification calls.

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.