Fraud Recovery and Financial Crime Analyst

Recoveries Investigation Analyst

ABOUT THE ROLE:

As a Recoveries Analyst, you’ll be working 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.

To succeed in this role, you'll need strong investigative skills, attention to detail, and the ability to make sound decisions in a fast-paced environment. You will work closely with internal stakeholders and external financial institutions to identify recovery opportunities, track recovery outcomes, and support the prevention of financial crime.

Strong communication skills are essential, as you'll be responsible for managing stakeholder relationships, responding to queries, and ensuring timely action on recovery requests. Your interpersonal skills and collaborative approach will be crucial when working across multiple teams and external partners.

Flexibility to work shifts in a 24/7 operational environment, including weekends and public holidays on a rotational basis, is required.

Some of the Things You'll Be Doing

• 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.

WHAT WE ARE LOOKING FOR:

• 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: 

• 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
• Snacks, light food, drinks in the office
• WFH equipment allowance