Tide - Recoveries Investigation Analyst UK/Europe (6 months contract)
Requirements
• A minimum of 1 year of experience in fraud investigations, APP fraud, recoveries, financial crime operations, disputes, chargebacks, or a related banking operations role. • Understanding of APP fraud typologies, recovery processes, and financial crime risks. • Experience investigating complex cases and analysing transaction activity to make evidence-based decisions. • Strong analytical and problem-solving skills, with the ability to identify trends and recommend process improvements. • Excellent attention to detail and the ability to manage multiple priorities while meeting strict deadlines. • Strong communication and stakeholder management skills, with the confidence to engage with internal teams and external financial institutions. • Ability to remain calm under pressure and exercise sound judgement in a high-volume operational environment. • Collaborative team player with a flexible approach to changing priorities and business needs. • Self-starter with the ability to work independently, take ownership, and drive cases through to completion. • Comfortable working weekends and rotational shifts where required. • Demonstrates curiosity and a willingness to continuously learn and develop expertise in fraud prevention, recoveries, and financial crime. • Previous experience in fintech, banking, fraud operations, recoveries, or financial investigations would be highly beneficial. • WHAT YOU’LL GET IN RETURN: • Competitive salary • Self & Family Health Insurance • Term & Life Insurance • Mental wellbeing through Plumm • Learning & Development Budget • WFH Setup allowance • 15 days of Privilege leaves • 12 days of Casual leaves • 12 days of Sick leaves • 3 paid days off for volunteering or L&D activities • TIDE IS A PLACE FOR EVERYONE
Responsibilities
• Managing APP fraud recovery cases from initiation through to resolution. • Investigating victim and perpetrator accounts to identify and maximise recovery opportunities. • Raising, tracking, and responding to recovery requests with sending and receiving financial institutions. • Reviewing account activity, transaction data, and supporting evidence to establish recovery eligibility and outcomes. • Liaising with external banks, payment service providers, and industry partners regarding APP fraud recovery efforts. • Ensuring all recovery actions are completed within regulatory, scheme, and internal service level requirements. • Making fair and evidence-based decisions in line with internal policies and external regulatory expectations. • Identifying trends, control gaps, and opportunities to improve recovery rates and operational processes. • Supporting financial crime investigations where recovery activity intersects with fraud, mule activity, or account misuse. • Maintaining accurate case records and producing clear investigation notes and reporting. • Collaborating with Fraud Operations, Financial Crime, Member Support, to deliver positive customer outcomes. • Contributing to process improvement initiatives and helping enhance Tide's fraud recovery capabilities.
Benefits
• Self & Family Health Insurance • Term & Life Insurance • Mental wellbeing through Plumm • Learning & Development Budget • WFH Setup allowance • 15 days of Privilege leaves • 12 days of Casual leaves • 12 days of Sick leaves • 3 paid days off for volunteering or L&D activities • TIDE IS A PLACE FOR EVERYONE
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