<div class="content-intro"><h3><strong>A</strong><strong>BOUT TIDE</strong></h3> <p>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.</p> <p>Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France.</p> <p>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.</p> <p><strong>Tide facts:</strong></p> <ul> <li>Tide is available for UK, Indian, German and French SMEs</li> <li>Over 2 million members globally and rapidly growing</li> <li>Over $300 million raised in funding</li> <li>3,000 Tideans globally</li> <li>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</li> <li>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</li> </ul></div><h3>ABOUT THE ROLE:</h3> <p>As an Alert Review analyst you’ll be: </p> <ul> <li>Undertaking full profile reviews based on potentially suspicious triggers or periodic timeframes.</li> <li>Own the analysis of risk data, identify trends, red flags and develop an in-depth understanding of the risk profile of our acquiring products.</li> <li>Monitor compliance with the acquiring products’ risk appetite, acceptance and risk performance.</li> <li>Monitor real-time and post-transaction activity for both acquiring merchants and issuing cardholders.</li> <li>Identify unusual merchant behaviors using Merchant Category Codes (MCCs), velocity checks, and transaction anomalies.</li> <li>Identify and manage Compromised Cards scenarios through data analysis and alert trends. Recommend card-blocking or merchant suspension actions where necessary.</li> <li>Document investigation findings accurately within the case management system.</li> <li>Prepare clear and concise SAR (Suspicious Activity Report) narratives, ensuring regulatory and internal standards are met.</li> <li>Maintain thorough records of evidence, decision-making rationale, and case progression steps.</li> <li>Ensure timely closure of assigned cases while meeting quality and compliance expectations.</li> <li>Contact cardholders/members through outbound calls to validate suspicious transactions and gather additional information.</li> <li>Communicate professionally with merchants when clarification or additional data is required.</li> <li>Provide clear explanations and support to cardholders regarding fraud concerns or next steps.</li> <li>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.</li> <li>Actively identify gaps, inefficiencies, and opportunities within current workflows.</li> <li>Provide process improvement suggestions to enhance fraud detection accuracy, reduce false positives, and improve customer experience.</li> <li>Establishing good relationships with various departments throughout the organisation to ensure good operational synergy</li> <li>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.</li> <li>Treating Tide members fairly by taking responsibility to ensure that their needs are met</li> </ul> <h3>WHAT WE ARE LOOKING FOR: </h3> <p>What makes you a great fit: </p> <ul> <li>1-3 years of experience in transaction monitoring, fraud investigations, financial crime, Money Laundering and card operations (Acquiring and Issuing).</li> <li>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.</li> <li>Worked in cross-functional set up with strong analytical skills, data driven mindset and ability to work independently</li> <li>You have strong understanding and experience of CDD and EDD processes.</li> <li>Proficiency with analytical tools and visualisation software (e.g., Excel, Tableau, Looker)</li> <li>Attention to detail and quality of the deliverables with growth mindset & extreme ownership.</li> <li>A growth, can-do and customer oriented mindset with extreme ownership.</li> <li>Willing to work in flexible shift schedules and rotational week-offs.</li> </ul> <h3><strong>Strong knowledge of</strong>:</h3> <ul> <li>Payment processes</li> <li>Merchant Category Codes (MCCs)</li> <li>Fraud patterns and indicators</li> <li>Regulatory reporting standards (e.g., SAR)</li> <li>Proficiency in case management tools and transaction monitoring platforms.</li> <li>Experience contacting cardholders/members through outbound verification c