Transaction Monitoring Analyst

Location: India, Hyderabad
Department: Customer (Member) Operations
Posted: February 5, 2025

AOBUT THE TEAM 

Here at Tide, we are looking for a driven Alert Review Analyst with a good understanding of the concept of fraud and merchant payments. As an Alert Review Analyst, you are the first line of defence in our battle against combating fraud. We tackle all types of fraud within our team, so you will be able to detect and prevent them.

You’ll be responsible for the monitoring of these transaction types and behaviours across our customer base, ensuring we put our genuine members first, whilst spotting and investigating potentially suspicious activity. This role is a key element of our team, so we’re looking for someone who is a passionate investigator, possesses good knowledge on merchant payments, who will help reduce risk to tide, and let our members get back to doing what they love.

ABOUT THE ROLE 

• 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.
• Adopt a continuous improvement mind-set, constantly identifying opportunities to enhance processes/procedures and adopt new tools/technologies.
• Monitor performance of fraud and risk models and identify areas of improvement.
• Identify further fraud and risk data and rules that can be beneficial to improve credit performance across Tide.
• Managing your own case load to meet performance targets.
• Consistently reaching the targets for Productivity and Quality.
• 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

WHAT WE ARE LOOKING FOR 

• You are willing to work in flexible shift patterns.
• You have 2 to 3 years of experience in a Fraud, Financial crime and/or Credit Risk role, ideally in merchant acquiring payments fintech esp. e-commerce payments or financial institutions.
• 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.
• Worked in cross-functional set up with strong analytical skills, data driven mindset and ability to work independently
• Proficiency with analytical tools and visualisation software (e.g., Excel, Tableau, Looker)
• Attention to detail and quality of the deliverables with growth mindset & extreme ownership.
• A growth, can-do and customer oriented mindset with extreme ownership.
• You have strong understanding and experience of CDD and EDD processes.

WHAT YOU WILL GET IN RETURN (Action – amend Bullets per location)

• Competitive salary
• Self & Family Health Insurance
• Term & Life Insurance
• OPD Benefits
• Mental wellbeing through Plumm
• Learning & Development Budget
• WFH Setup allowance
• 15 days of Privilege leaves
• 12 days of Casual leaves
• 12 days of Sick leaves
• 3 paid days off for volunteering or L&D activities

TIDEAN WAYS OF WORKING

At Tide, we’re Member First and Data Driven, but above all, we’re One Team. Our Working Out of Office (WOO) policy allows you to work from anywhere in the world for up to 90 days a year. We are remote first, but when you do want to meet new people, collaborate with your team or simply hang out with your colleagues, our offices are always available and equipped to the highest standard. We offer flexible working hours and trust our employees to do their work well, at times that suit them and their team.