Description
As a Recoveries Analyst, you'll work within Tide's Financial Crime Operations team, supporting APP fraud recovery activities for both victim and perpetrator cases. You will play a key role in maximising recovery opportunities by investigating fraudulent transactions, engaging with sending and receiving financial institutions, and ensuring adherence to industry regulations and best practices.
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.
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.
Benefits:
- Competitive salary
- Self & Family Health Insurance
- Term & Life Insurance
- OPD Benefits
- 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