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Tide is a fintech platform serving over 2 million SMEs globally across the UK, India, Germany, and France. The company provides business accounts, banking services, and administrative solutions including invoicing and accounting tools. Tide has raised over $300 million in funding and operates offices across Central London, Sofia, Serbia, Romania, Lithuania, Hyderabad, Gurugram, New Delhi, Berlin, Paris, and Luxembourg.
This Team Leader role oversees Tide's Acquiring Transaction Monitoring team, responsible for first-line fraud detection and compliance within the card acquiring and merchant banking space. The position combines strategic leadership with deep operational expertise in payment fraud prevention.
Key Responsibilities:
- Lead, manage, and mentor a team of Transaction Monitoring Analysts, ensuring they meet performance metrics including transaction review accuracy, case resolution times, and fraud detection rates
- Conduct regular performance reviews, provide constructive feedback, and develop individual training plans
- Manage team resources through capacity forecasting, priority setting, and work allocation
- Supervise real-time and post-transaction monitoring of acquiring transactions to detect suspicious activities
- Oversee merchant acquiring activities including card payment authorizations, settlements, chargebacks, and disputes
- Ensure compliance with AML regulations and card network rules (Visa, MasterCard, etc.)
- Develop strategies to reduce fraudulent activities and ensure merchant compliance
- Use data-driven insights to recommend improvements to transaction monitoring processes and fraud mitigation strategies
- Keep the team updated on emerging fraud trends and continuously measure, assess, and improve risk policies, procedures, and controls
- Foster a collaborative team environment focused on continuous improvement and operational efficiency
- Represent the area to internal and external stakeholders, including auditors
Requirements:
- 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 fast-paced, high-volume environments
- Deep understanding of card acquiring processes, merchant acquiring systems, payment networks (Visa, MasterCard, etc.), and fraud detection methodologies
- Analytical mindset with proven ability to interpret complex transaction data and identify fraud patterns
- Excellent communication and stakeholder management skills, with experience handling escalations and coordinating cross-functional teams
- Ability to work under pressure, manage competing priorities, and meet deadlines
- Willingness to work flexible shift patterns
