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Manager, Acquiring, Alert Review, Preventative Fraud

India, Hyderabad

ABOUT TIDE

At Tide we help SMEs save time (and money) in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions from invoicing to accounting.

Tide is transforming the small business banking market with over 1.8 million members globally across the UK, India, Germany and France.

Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data-driven decisions to serve our mission: to help SMEs save both time (and money) so they can get back to doing what they love.

Tide facts:

  • Tide is available for UK, Indian, German and French SMEs
  • Over 1.8 million members: 800,000 UK and 1,000,000 in India and growing rapidly
  • Over $300 million raised in funding
  • Over 2,500 Tideans globally - we’re diversity champions!
  • We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram and New Delhi, and in Berlin, Paris and Luxembourg.

What we’re looking for:
We are seeking a highly experienced Manager to lead our Acquiring Transaction Monitoring function within the first line of defence. This role will oversee multiple Team Leaders and their respective analyst teams, ensuring effective monitoring of merchant activity and transaction flows across our acquiring ecosystem.

You will bring deep expertise in card acquiring and merchant risk, alongside a strong investigations background, enabling you to guide complex case handling and support high-quality decision making across the function. You will play a key role in shaping strategy, driving data-led improvements, and ensuring robust controls are in place to mitigate fraud and financial crime risk.

This role requires strong senior stakeholder management, with regular interaction across Risk, Product, Compliance, and external partners, as well as ownership of performance, governance, and continuous improvement across the acquiring monitoring landscape.

 

As a Manager you’ll be:

  • Lead and manage multiple Team Leaders across Acquiring Transaction Monitoring, ensuring consistent performance, quality, and delivery against KPIs.
  • Set the strategic direction for acquiring monitoring, aligning operational activity with broader fraud and financial crime risk objectives.
  • Oversee the monitoring of merchant activity, transaction flows, and behaviours across the acquiring portfolio, ensuring effective identification and investigation of suspicious activity.
  • Act as a senior escalation point for complex, high-risk, or high-impact investigations, providing guidance and oversight on case strategy and outcomes.
  • Drive a strong investigations culture, ensuring robust decision-making frameworks and high-quality case handling standards.
  • Own and optimise end-to-end acquiring monitoring processes, including alerting, case management, and escalation pathways.
  • Use data and MI to identify trends, emerging risks, and control gaps, and translate these into actionable improvements in monitoring strategies and rules.
  • Partner closely with Product, Engineering, and Data teams to enhance tooling, automation, and detection capabilities.
  • Ensure adherence to regulatory requirements, card scheme rules (Visa, Mastercard), and internal policies across all acquiring activities.
  • Lead capacity planning and resource management across teams, ensuring effective allocation aligned to volumes and risk priorities.
  • Build strong relationships with senior stakeholders across the business, effectively communicating risks, performance, and strategic priorities.
  • Support internal and external audits, regulatory reviews, and governance forums, representing the acquiring monitoring function.
  • Drive continuous improvement initiatives to enhance efficiency, reduce false positives, and improve detection accuracy.

 

What makes you a great fit:

  • 6–8+ years of experience in merchant acquiring, transaction monitoring, or financial crime operations within payments or fintech.
  • Proven experience managing managers or multiple team leads in a high-volume, fast-paced operational environment.
  • Deep understanding of card acquiring, merchant risk and payment flows
  • Strong investigations background, with experience handling complex fraud or financial crime cases within acquiring environments.
  • Highly data-driven, with the ability to interpret complex datasets, generate insights, and inform strategic decisions.
  • Demonstrated experience influencing senior stakeholders and working cross-functionally across Risk, Product, Compliance, and Operations.
  • Strong understanding of fraud typologies within merchant acquiring (e.g. merchant fraud, laundering, collusion, excessive chargebacks).
  • Experience designing, optimising, and scaling transaction monitoring frameworks and controls.
  • Excellent communication skills, with the ability to clearly articulate complex risks and operational strategies.
  • Ability to manage competing priorities and operate effectively in a fast-changing environment.

 

What you’ll get in return:
Make work, work for you! We are embracing new ways of working and support flexible working arrangements. With our Working Out of Office (WOO) policy, our colleagues can work remotely from home or anywhere in their home country. Additionally, you can work from a different country for 90 days of the year. Plus, you’ll get:

  • 25 days paid annual leave
  • Extended maternity and paternity leave covered by the company
  • Additional health and dental insurance
  • We invest in your development with a 40k INR professional L&D budget per year and up to three L&D paid days off
  • Snacks, light food, drinks in the office
  • Mental wellbeing platform

 

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 want to collaborate or connect, our offices are always available and equipped to the highest standard. We offer flexible working hours and trust our employees to deliver great work in a way that suits them and their team.

TIDE IS A PLACE FOR EVERYONE

At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives. 

We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.

 

At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.

 
Disclaimer
 
It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that:
  • Tide does not charge any fees at any stage of the recruitment process.
  • All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel.
  • Communication from Tide will only come from an official @tide.co email address.
  • Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf.

If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co
Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.

 

Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy.

Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.

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