Responsibilities
- Define and drive the product vision, strategy, and roadmap for fraud and risk monitoring within acquiring services.
- Develop scalable monitoring solutions across both card-present and card-not-present transaction flows.
- Collaborate with Engineering and Data Science to implement real-time rules, risk indicators, machine learning models, and decision workflows.
- Manage the full lifecycle of acquiring fraud and risk monitoring product development.
- Prioritize initiatives based on risk mitigation, business impact, operational demands, user experience, and technical viability.
- Communicate clear product strategies to senior stakeholders across Product, Risk, Operations, Finance, and Commercial functions.
- Analyze data to detect fraud trends, merchant activity, loss causes, and control deficiencies.
- Design and deliver product features that reduce fraud losses and maintain compliance with card network requirements.
- Set up and track key performance indicators including fraud loss rate, chargeback rate, scheme exposure, false positive rate, and operational efficiency.
- Conduct experiments and implement targeted control adjustments to strengthen fraud prevention with minimal impact on legitimate users.
- Partner with Finance, Risk, and Operations to assess the financial impact of fraud controls.
- Build capabilities that enhance chargeback prevention, monitoring, handling, and recovery performance.
- Work with Operations to refine case management processes, review accuracy, and efficiency.
- Improve transparency into chargeback causes, merchant risk levels, and recovery outcomes.
- Help reduce losses from chargebacks occurring after funds have been disbursed to merchants.
- Monitor and optimize recovery rate, chargeback resolution time, cost per case, and manual review workload.
- Explore opportunities to apply Agentic AI and automation to improve fraud and risk operations.
- Collaborate with technical teams to develop scalable, interpretable, and measurable AI-powered risk decisioning systems.
- Enhance the speed, consistency, and quality of acquiring risk assessments.
- Increase automation in areas where manual reviews add cost without improving risk outcomes.
Benefits
- Competitive salary and equity through share options.
- Generous paid annual leave in addition to public holidays.
- Paid leave for maternity, paternity, and adoption to support family growth.
- Paid and unpaid sabbatical options after reaching service milestones.
- Private health insurance for employees and families, including outpatient and top-up coverage.
- Comprehensive life and accidental death insurance.
- Access to mental health resources such as therapy, meditation, and wellness programs.
- Paid time off annually for volunteering or personal development activities.
- Annual allowance for learning materials, courses, coaching, and professional growth.
- Opportunity to work remotely abroad for up to 90 days per year.
- Financial support for home office setup.
- Receive a new company laptop and retain the previous one upon upgrade.
- Office-provided snacks, beverages, and meals where applicable.
Work Arrangement
Hybrid
Other
- The organization supports a flexible work model that accommodates both in-office and remote work.
- Offices are designed as collaboration hubs to foster innovation and team cohesion, with regular in-person meetings encouraged.
- Diversity and inclusion are core values; all individuals are welcomed regardless of ethnicity, religion, sexual orientation, gender identity, parental status, national origin, veteran status, neurodiversity, or disability.
- No fees are charged at any stage of the recruitment process.
- All official job openings are published exclusively on the company’s Careers page.
- Official communication comes only from email addresses ending in @tide.co.
- Third-party recruitment agencies are not engaged without prior formal agreement.
- Artificial intelligence is used in the hiring process as outlined in the company’s AI Policy.
- Personal data submitted during recruitment will be processed in accordance with the Recruitment Privacy Notice.
