Analyst, Acquiring AR&I, Preventive Fraud (6 months contract)

Careers at Tide; Hyderabad; On-site; INR 600,000 - 1,200,000; Full time

Benefits offered by this job

Health Insurance

Life Insurance

Mental wellbeing (Plumm)

Learning Budget

WFH Allowance

25 Annual leaves

Family leaves

Job summary

Tide is seeking an Alert Review analyst in Hyderabad to review profiles for potential fraud and monitor risk across acquiring and card-issuing activity.

You will analyze risk data, identify red flags, and prepare SAR narratives while maintaining regulatory compliance and clear documentation. The role requires 1–3 years in related fields and strong analytical skills.

Qualifications

• 1–3 years of experience in transaction monitoring, fraud investigations, financial crime, money laundering and card operations.
• Strong understanding of risks and controls in B2B merchant onboarding and payments monitoring.
• Cross-functional experience with analytical skills and independence.
• Knowledge of CDD/EDD processes.
• Proficiency with Excel, Tableau, Looker.

Responsibilities

• Undertaking full profile reviews based on suspicious triggers or periodic timeframes.
• Own the analysis of risk data, identify trends, red flags and understand our risk profile.
• Monitor compliance with risk appetite and performance for acquiring products.
• Monitor real-time and post-transaction activity for acquiring merchants and issuing cardholders.
• Identify unusual merchant behaviors using MCCs, velocity checks and anomalies.
• Document investigation findings in the case management system.
• Prepare SAR narratives meeting regulatory and internal standards.
• Maintain records of evidence and decision rationale.
• Ensure timely closure of cases with quality and compliance.
• Contact cardholders to validate suspicious transactions and gather data.
• Communicate with merchants for clarification and data requests.
• Provide explanations to cardholders regarding fraud concerns and next steps.

Skills

Transaction monitoring

Fraud investigations

Financial crime

Money Laundering

Card operations

CDD and EDD

Analytical tools

Data-driven mindset

Cross-functional collaboration

Tools

Excel

Tableau

Looker

Job description

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 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.
• 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:

What makes you a great fit:

• 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:

• 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.

WHAT YOU’LL GET IN RETURN:

• Self & Family Health Insurance
• Term & Life Insurance
• Mental wellbeing through Plumm
• Learning & Development Budget
• WFH Setup allowance
• 25 Annual leaves
• Family & Friendly Leaves

TIDE IS A PLACE FOR EVERYONE

At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives.

We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.

At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.