Team Leader, Acquiring AR&I, Preventive Fraud, OM UK

Overview

Lead and mentor a team of Transaction Monitoring Analysts in Tide's first line of defence, overseeing monitoring of acquiring transactions to detect and investigate suspicious activity and reduce fraud risk across merchant card payments.

What you'll do

• Lead, manage and mentor a team of Transaction Monitoring Analysts, ensuring they meet performance metrics including transaction reviews, case resolution times and fraud detection accuracy.
• Conduct regular performance reviews, provide constructive feedback and develop individual training plans to improve team capabilities.
• Manage team resources through capacity forecasting and monitoring, setting priorities, and work allocation and reallocation where necessary.
• Supervise the monitoring of acquiring transactions, ensuring suspicious activities are detected in real-time or through post-transaction analysis.
• Oversee monitoring of merchant acquiring activities including card payment authorizations, settlements, chargebacks and disputes, ensuring processes follow best practices.
• Ensure monitored transactions comply with industry regulations and standards, including AML and card network rules (Visa, MasterCard, etc.).
• Develop strategies to reduce fraudulent activities across merchant card payments and ensure merchants meet compliance requirements.
• Use data-driven insights to recommend improvements in transaction monitoring processes and fraud mitigation strategies.
• Keep the team updated on emerging fraud trends, adjust detection rules, and measure, assess and improve risk policies, procedures and controls across products.
• Foster a collaborative team environment focused on continuous improvement and high operational efficiency.
• Represent your area to different stakeholders, including internal and external auditors.

What you'll need

• 3-5 years of experience in merchant banking, card acquiring, merchant acquiring, transaction monitoring, or merchant card payments with automated processes and data driven decisioning tools/culture.
• Proven leadership experience, with a track record of managing teams in a fast-paced, high-volume environment.
• Deep understanding of card acquiring processes, merchant acquiring systems, payment networks (Visa, MasterCard, etc.), and fraud detection methodologies.
• Analytical mindset with a proven ability to interpret complex transaction data and identify fraud patterns.
• Excellent communication and stakeholder management skills, with experience in handling escalations and coordinating cross-functional teams.
• Ability to work under pressure, manage competing priorities, and meet deadlines in a fast-paced environment.

Details

• Willingness to work in flexible shift patterns.