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

The role

You will perform profile reviews based on suspicious triggers and analyze risk data for acquiring products. You will monitor transaction activity, identify unusual merchant behaviors, and manage compromised card scenarios.

What you will do

• Undertake full profile reviews based on suspicious triggers or periodic timeframes
• Own the analysis of risk data and identify trends and red flags
• Monitor compliance with acquiring products risk appetite and performance
• Monitor real-time and post-transaction activity for merchants and cardholders
• Identify unusual merchant behaviors using MCCs, velocity checks, and transaction anomalies
• Identify and manage Compromised Cards scenarios through data analysis
• Document investigation findings within the case management system
• Prepare clear and concise SAR narratives
• Contact cardholders through outbound calls to validate suspicious transactions
• Communicate professionally with merchants for clarification or additional data

Required qualifications

• 1-3 years of experience in transaction monitoring, fraud investigations, financial crime, Money Laundering and card operations (Acquiring and Issuing)
• Strong understanding of risks and relevant controls involved in B2B merchant onboarding, payments transaction monitoring and ongoing in-life monitoring
• Worked in cross-functional set up
• Strong analytical skills
• Data driven mindset
• Ability to work independently
• 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
• Growth, can-do and customer oriented mindset
• Extreme ownership
• Strong knowledge of Payment processes, Merchant Category Codes (MCCs), Fraud patterns and indicators, Regulatory reporting standards (e.g., SAR), case management tools, transaction monitoring platform

Benefits

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

About the company

Tide helps SMEs save time and money by offering business accounts, banking services, and administrative solutions. The company supports over 2 million members globally across the UK, Germany and France.