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

As an Alert Review analyst you will undertake full profile reviews of potentially suspicious triggers, analyse risk data for acquiring products, monitor merchant and cardholder activity, investigate fraud alerts, prepare SAR narratives, and contact cardholders and merchants to validate transactions. Tide helps SMEs save time and money through business accounts and administrative solutions, supporting over 2 million members globally.

Responsibilities

Undertake full profile reviews based on potentially suspicious triggers or periodic timeframes; Analyse risk data, identify trends and red flags, and understand the risk profile of acquiring products; Monitor compliance with acquiring products' risk appetite, acceptance and risk performance; Monitor real-time and post-transaction activity for acquiring merchants and issuing cardholders; Identify unusual merchant behaviours using MCCs, velocity checks and transaction anomalies; Identify and manage Compromised Cards scenarios and recommend card-blocking or merchant suspension actions; Document investigation findings in the case management system; Prepare clear SAR narratives meeting regulatory and internal standards; Maintain records of evidence, decision-making rationale and case progression; Ensure timely closure of assigned cases; Contact cardholders/members through outbound calls to validate suspicious transactions; Communicate professionally with merchants when clarification is needed; Provide explanations and support to cardholders regarding fraud concerns; Ensure adherence to internal fraud risk policies, card network rules and regulatory guidelines; Identify gaps and inefficiencies in workflows and suggest process improvements; Build good relationships with departments across the organisation; Participate in internal and external training programs; Treat Tide members fairly

Requirements

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 in B2B merchant onboarding, payments transaction monitoring (incl. declines/chargebacks/disputes) and ongoing in-life monitoring; Experience working in cross-functional set ups with strong analytical skills, 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; Growth, can-do and customer-oriented mindset; Willingness to work in flexible shift schedules and rotational week-offs; Strong knowledge of payment processes; Merchant Category Codes (MCCs); Fraud patterns and indicators; Regulatory reporting standards (e.g., SAR); Proficiency in case management tools and transaction monitoring platforms; Experience contacting cardholders/members through outbound verification calls

Benefits

Competitive salary; Self & Family Health Insurance; Term & Life Insurance; OPD Benefits; Mental wellbeing through Plumm; Learning & Development Budget; WFH Setup allowance; 25 Annual leaves; Family & Friendly Leaves