Recoveries Investigation Analyst UK/Europe (6 months contract)

Overview

Recoveries Analyst within Tide's Financial Crime Operations team, supporting APP fraud recovery activities for both victim and perpetrator cases on a 6-month contract.

What you'll do

• Manage APP fraud recovery cases from initiation through to resolution.
• Investigate victim and perpetrator accounts to identify and maximise recovery opportunities.
• Raise, track, and respond to recovery requests with sending and receiving financial institutions.
• Review account activity, transaction data, and supporting evidence to establish recovery eligibility and outcomes.
• Liaise with external banks, payment service providers, and industry partners regarding APP fraud recovery efforts.
• Ensure all recovery actions are completed within regulatory, scheme, and internal service level requirements.
• Make fair and evidence-based decisions in line with internal policies and external regulatory expectations.
• Identify trends, control gaps, and opportunities to improve recovery rates and operational processes.
• Support financial crime investigations where recovery activity intersects with fraud, mule activity, or account misuse.
• Maintain accurate case records and produce clear investigation notes and reporting.
• Collaborate with Fraud Operations, Financial Crime, Member Support to deliver positive customer outcomes.
• Contribute to process improvement initiatives and help enhance Tide's fraud recovery capabilities.

What you'll need

• A minimum of 1 year of experience in fraud investigations, APP fraud, recoveries, financial crime operations, disputes, chargebacks, or a related banking operations role.
• Understanding of APP fraud typologies, recovery processes, and financial crime risks.
• Experience investigating complex cases and analysing transaction activity to make evidence-based decisions.
• Strong analytical and problem-solving skills, with the ability to identify trends and recommend process improvements.
• Excellent attention to detail and the ability to manage multiple priorities while meeting strict deadlines.
• Strong communication and stakeholder management skills, with the confidence to engage with internal teams and external financial institutions.
• Ability to remain calm under pressure and exercise sound judgement in a high-volume operational environment.
• Collaborative team player with a flexible approach to changing priorities and business needs.
• Self-starter with the ability to work independently, take ownership, and drive cases through to completion.
• Comfortable working weekends and rotational shifts where required.
• Demonstrates curiosity and a willingness to continuously learn and develop expertise in fraud prevention, recoveries, and financial crime.

Nice to have

• Previous experience in fintech, banking, fraud operations, recoveries, or financial investigations.

Details

• Location: Hyderabad, India.
• Flexibility to work shifts in a 24/7 operational environment, including weekends and public holidays on a rotational basis, is required.
• Contract length: 6 months.