Team Leader, Acquiring AR&I, Preventive Fraud, OM UK

Careers at Tide; Hyderabad; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Tide is seeking a seasoned Team Leader for the Acquiring Transaction Monitoring unit in our Hyderabad hub. You will guide a team of analysts to detect fraud, monitor merchant acquiring transactions, and ensure AML/compliance controls are applied across card payments.

You’ll mentor staff, optimize processes, and partner with auditors and stakeholders to strengthen our risk posture while allowing genuine members to transact smoothly.

Qualifications

• 3–5 years of experience in merchant banking, card acquiring or transaction monitoring.
• Proven leadership experience in fast-paced, high-volume environments.
• Deep understanding of card acquiring processes, payment networks, and fraud detection.
• Analytical mindset with ability to interpret transaction data and identify fraud patterns.
• Excellent communication and stakeholder management skills.

Responsibilities

• Lead, manage, and mentor a team of Transaction Monitoring Analysts with defined metrics.
• Conduct regular performance reviews and develop training plans.
• Forecast capacity and allocate work across the team.
• Supervise monitoring of acquiring transactions and detect suspicious activity.
• Oversee card payment authorizations, settlements, chargebacks, and disputes.
• Ensure compliance with AML and card network rules.
• Develop strategies to reduce fraud in merchant card payments.
• Use data-driven insights to improve monitoring processes.
• Keep the team updated on fraud trends and adjust risk policies.
• Foster collaboration and represent the area to auditors.

Skills

Team Leadership

Transaction Monitoring

Fraud Detection

Merchant Card Payments

Regulatory Compliance AML

Data-driven decisioning

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 across UK and India
• Over $300 million raised in funding
• Over 2,800 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:

Here at Tide, we are seeking a highly skilled and experienced Team Leader to oversee our Acquiring Transaction Monitoring team in our first line of defence with experience in transaction monitoring within the card acquiring space or merchant banking, with a deep understanding of fraud detection, compliance, and risk management. This role requires strong leadership skills, along with a deep understanding of fraud prevention, risk management, and compliance within the payments ecosystem.

Your team will be responsible for the monitoring of the transaction and behaviours across our customer base, ensuring we put our genuine members first, whilst spotting and investigating potentially suspicious activity. This role is a key element of our team, so we’re looking for someone who is a passionate investigator, possesses good knowledge on merchant payments, who will help reduce risk to tide, and let our members get back to doing what they love.

• Lead, manage, and mentor a team of Transaction Monitoring Analysts, ensuring they meet performance metrics, including transaction reviews, case resolution times, and fraud detection accuracy.
• Conduct regular performance reviews, provide constructive feedback, and develop individual training plans to improve team capabilities.
• Manage resources of the team by effective capacity forecasting and monitoring, setting priorities, work allocation and reallocation where necessary.
• Supervise the monitoring of acquiring transactions, ensuring suspicious activities are detected in real-time or through post-transaction analysis.
• Oversee the monitoring of merchant acquiring activities, including card payment authorizations, settlements, chargebacks, and disputes, ensuring all processes follow best practices.
• Ensure all monitored transactions comply with industry regulations and standards, including AML, and card network rules (Visa, MasterCard, etc.).
• Develop strategies to reduce fraudulent activities across merchant card payments and ensure merchants meet compliance requirements.
• Use data-driven insights to recommend improvements in transaction monitoring processes and fraud mitigation strategies.
• Keep the team updated on emerging fraud trends and adjust detection rules and constantly measure, assess and improve our risk policies, procedures and controls across products
• Foster a collaborative team environment focused on continuous improvement and high operational efficiency.
• Representing your area in front of different stakeholders, including internal and external auditors.

WHAT WE ARE LOOKING FOR:

• You are willing to work in flexible shift patterns.
• 3-5 years of experience in merchant banking, card acquiring, merchant acquiring, transaction monitoring, or merchant card payments with automated processes and data driven decisioning tools/culture.
• Proven leadership experience, with a track record of managing teams in a fast-paced, high-volume environment.
• Deep understanding of card acquiring processes, merchant acquiring systems, payment networks (Visa, MasterCard, etc.), and fraud detection methodologies.
• Analytical mindset with a proven ability to interpret complex transaction data and identify fraud patterns.
• Excellent communication and stakeholder management skills, with experience in handling escalations and coordinating cross-functional teams.
• Ability to work under pressure, manage competing priorities, and meet deadlines in a fast-paced environment.

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.