Tide
Finance / FinServ
Analyst,AlertReview
Neural analysis suggests this role is
optimal for Entry candidates.
“Analyst, Alert Review at Tide. Skills: Alert Review, Risk analysis, Fraud investigation, Compliance monitoring. 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”
What You'll Achieve.
Enhance fraud detection accuracy; Reduce false positives; Improve customer experience; Ensure timely closure of assigned cases while meeting quality and compliance expectations
Industry & Context.
Identify trends, red flags; Identify unusual merchant behaviors; Identify and manage Compromised Cards scenarios; Actively identify gaps, inefficiencies, and opportunities within current workflows; Provide process improvement suggestions
Willing to work in flexible shift schedules and rotational week-offs
What They're Looking For.
Must Have
1-3 years of experience in transaction monitoring, fraud investigations, financial crime, Money Laundering and card operations (Acquiring and Issuing), Understanding of risks and relevant controls involved in B2B merchant onboarding, payments transaction monitoring (incl. declines/chargebacks/disputes) and ongoing in-life monitoring, Experience contacting cardholders/members through outbound verification calls
Nice to Have
Worked in cross-functional set up with analytical skills, data driven mindset and ability to work independently, Understanding and experience of CDD and EDD processes, Growth mindset & extreme ownership, Can-do and customer oriented mindset with extreme ownership
What You'll Do.
Undertaking full profile reviews based on potentially suspicious triggers or periodic timeframes
Own the analysis of risk data
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)
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
and regulatory guidelines
Stay updated on fraud trends and emerging threats in the digital payments ecosystem
Actively identify gaps
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
How You'll Work.
Team & Collaboration
Worked in cross-functional set up; Establishing good relationships with various departments throughout the organisation to ensure good operational synergy
Communication Scope
Communicate professionally with merchants; Provide clear explanations and support to cardholders
Full 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 with over 1.8 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 both time (and money) so they can get back to doing what they love. Tide facts: Tide is available for UK, Indian, German and French SMEs Over 1.8 million members: 800,000 UK and 1,000,000 in India and growing rapidly Over $300 million raised in funding Over 2,500 Tideans globally - we’re diversity champions! 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 and New Delhi, and in 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 ma
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