Manager, Acquiring, Alert Review, Preventative Fraud

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 and now supports over 2 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 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 2 million members: 900000 UK andin India and growing rapidly
• Over $300 million raised in funding
• Over 2800 Tideans globally
• Recognised with Great Place to Work certification three years in a row and among Indias Top 50 Best Workplaces in Banking Financial Services and Insurance in 2026
• 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 New Delhi Berlin Paris and Luxembourg

What were 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 youll 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:

• 68 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 youll 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 youll 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 were Member First and Data Driven but above all were 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 everyones 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 everyones 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 doesnotcharge any fees at any stage of the recruitment process.
• All official Tide job opportunities are listed exclusively on ourCareers Pageand applications should be submitted through this channel.
• Communication from Tide will only come from an official@tide.coemail 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
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 Tides Recruitment Privacy Notice.

Required Experience:

Manager

Employment Type : Temp
Experience: years
Vacancy: 1