Recoveries Investigation Analyst

Tide Platform Limited

Job Overview

Location

India, Hyderabad

Job Type

Full-time

Full Job Description

📋 Description

• Manage APP fraud recovery cases from initiation through to resolution, ensuring timely and accurate outcomes for both victim and perpetrator accounts.
• Investigate fraudulent transactions by reviewing account activity, transaction data, and supporting evidence to determine recovery eligibility and outcomes.
• Raise, track, and respond to recovery requests with sending and receiving financial institutions, including banks and payment service providers.
• Ensure all recovery actions comply with regulatory requirements, industry schemes, and internal service level agreements.
• Make fair, evidence-based decisions aligned with internal policies and external regulatory expectations in a high-volume operational environment.
• Liaise with external financial institutions and industry partners to coordinate recovery efforts and resolve disputes related to authorized push payment (APP) fraud.
• Identify trends, control gaps, and operational inefficiencies to recommend improvements that enhance recovery rates and reduce financial crime risks.
• Support broader financial crime investigations where recovery activities intersect with fraud, mule account usage, or account misuse.
• Maintain accurate, detailed case records and produce clear investigation notes and reporting for internal audits and compliance purposes.
• Collaborate with Fraud Operations, Financial Crime, and Member Support teams to deliver positive customer outcomes and align recovery strategies with broader organizational goals.
• Contribute to process improvement initiatives aimed at strengthening Tide’s fraud recovery capabilities and operational efficiency.
• Work rotational shifts in a 24/7 operational environment, including weekends and public holidays, as required by business needs.
• Demonstrate strong communication and stakeholder management skills when engaging with internal teams and external financial partners.
• Remain calm under pressure, exercise sound judgment, and manage multiple priorities while meeting strict deadlines in a fast-paced setting.
• Act as a self-starter, taking ownership of cases from start to finish with minimal supervision and a focus on resolution.
• Continuously learn and develop expertise in APP fraud typologies, financial crime risks, and recovery best practices.

🎯 Requirements

• 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 ability to manage multiple priorities while meeting strict deadlines.
• Strong communication and stakeholder management skills, with confidence to engage with internal teams and external financial institutions.

🏖️ Benefits

• 25 days paid annual leave
• 3 paid days off for volunteering or L&D activities
• Personal L&D budget
• Additional health & dental insurance
• Mental wellbeing platform
• WFH equipment allowance

Skills & Technologies

Onsite

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Tide Platform Limited

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About Tide Platform Limited

Tide Platform Limited is a UK-based financial technology company providing business banking services to small and medium-sized enterprises. It offers digital current accounts, expense cards, invoicing, accounting integrations, and credit products through a mobile-first platform. Operating under an e-money licence with banking services provided by ClearBank, Tide serves over 500,000 UK businesses. The company focuses on streamlining financial administration for entrepreneurs, freelancers, and growing companies through automated features and integrations with accounting software like Xero and FreeAgent.

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