Transaction Monitoring Analyst

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Here at Tide, we are seeking a highly skilled and experienced Team Leader to oversee our first line of defence with experience in transaction monitoring within the card space, with a deep understanding of fraud detection, compliance, and risk management. This role requires strong leadership skills, along with a deep understanding of fraud prevention, risk management, and compliance within the payments ecosystem.

This role is a key element of our ongoing monitoring team sitting within the first line of defence. You’ll be responsible for ensuring we put our genuine members first, through monitoring transaction types and behaviours across our customer base, whilst spotting and investigating potentially suspicious activity. We are looking for someone who is passionate about preventing fraud , who will help reduce risk to tide, and let our members get back to doing what they love.

ABOUT THE ROLE (Action - amend per requirement)
Lead, manage, and mentor a team of Transaction Monitoring Analysts, ensuring they meet performance metrics, including transaction reviews, case resolution times, and fraud detection accuracy.
Conduct regular performance reviews, provide constructive feedback, and develop individual training plans to improve team capabilities.
Manage resources of the team by effective capacity forecasting and monitoring, setting priorities, work allocation and reallocation where necessary.
Analysing transactions across a variety of payment types and products, looking for signs of Financial Crime (including PEPs and Sanctions) and Fraud
Ensuring effective Subject Matter Expert visibility, understanding the organization’s financial crime threats, risks and overall control maturity;
Use data-driven insights to recommend improvements in transaction monitoring processes and fraud mitigation strategies.
Keep the team updated on emerging fraud trends and adjust detection rules and constantly measure, assess and improve our risk policies, procedures and controls across products
Foster a collaborative team environment focused on continuous improvement and high operational efficiency.
Representing your area in front of different stakeholders, including internal and external auditors.
Treating Tide members fairly by taking responsibility to ensure that their needs are met
Implementing and ensuring timely compliance of new or revised standards and regulatory changes;
Participating in the talent acquisition process, which may include recruitment, interviewing, and hiring of qualified job applicants;
WHAT WE ARE LOOKING FOR
You have 3+ years of experience in a Transaction monitoring, Financial Crime risk related role in financial services
You have 2+ years of experience managing a successful team
A genuinely curious mindset, asking the right questions at the right times, with a problem solving attitude.
You have a keen eye for process improvements, looking how we can work leaner and more robustly.
You have an analytical mind and are able to digest large data sets and spot patterns and trends with ease
You are a quick learner, explorer and multitasker
You have exceptional communication skills, written and verbal. Are able to communicate with our members, internal stakeholders & regulatory bodies if required
You have C1/C2 level of spoken and written English
CAMS or ICA certifications held by the candidate may be considered as an advantage.