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

Overview

Analyst role in Tide's Acquiring AR&I Preventive Fraud team, reviewing alerts and suspicious activity for acquiring merchants and issuing cardholders on a 6-month contract.

What you'll do

• Undertake 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 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.
• Identify gaps, inefficiencies, and opportunities within current workflows and provide process improvement suggestions to enhance fraud detection accuracy, reduce false positives, and improve customer experience.
• Establish 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 day-to-day work requirements.
• Treat Tide members fairly by taking responsibility to ensure their needs are met.

What you'll need

• 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 (incl. declines/chargebacks/disputes) and ongoing in-life monitoring.
• Experience working in a cross-functional set up with strong analytical skills, a data driven mindset and 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 deliverables with growth mindset and extreme ownership.
• A growth, can-do and customer oriented mindset with extreme ownership.
• Willingness to work in flexible shift schedules and rotational week-offs.
• Strong knowledge of payment processes, Merchant Category Codes (MCCs), fraud patterns and indicators, and regulatory reporting standards (e.g., SAR).
• Proficiency in case management tools and transaction monitoring platforms.
• Experience contacting cardholders/members through outbound verification calls.

Details

• Location: India, Hyderabad.
• Employment type: 6 months contract.
• Flexible shift schedules and rotational week-offs.