Senior Product Manager, Ongoing Monitoring

At Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions, from invoicing to accounting.

Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France.

Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love.

Tide facts:

Ongoing Monitoring is building the capabilities Tide needs to detect, prevent and manage financial crime, fraud and risk across the member lifecycle.

Within Ongoing Monitoring, we are creating a new Acquiring Fraud & Risk team as part of the Ongoing Monitoring team. This team will focus on protecting Tide’s growing Merchant Acquiring business by reducing acquiring fraud, chargeback losses and operational risk across card-present and card-not-present payment journeys.

Merchant Acquiring is a fast-growing product within Tide. We are on a mission to provide the simplest and easiest ways for our members to get paid. As we scale Acquiring globally, we need strong monitoring capabilities that protect Tide from avoidable losses while keeping the experience smooth for genuine members.

As Senior Product Manager for Ongoing Monitoring Acquiring Fraud & Risk, you will own the roadmap for Tide’s acquiring transaction risk monitoring capabilities.

Working closely with Engineering, Data Science, Fraud Operations, Risk and Acquiring Product teams, you will build and scale real-time monitoring solutions using rules engines, machine learning models and Agentic AI to reduce fraud losses, improve chargeback outcomes and manage Tide’s acquiring risk exposure across card-present and card-not-present payment journeys.

Product Management and Product Development

You will be responsible for:

Data-Driven Product Development & Acquiring Fraud Reduction

You will be responsible for:

Chargeback Management and Operational Risk

You will be responsible for:

AI, Automation and Risk Decisioning

You will be responsible for:

You are an experienced Product Manager with strong acquiring risk knowledge. You understand the commercial reality of fraud, chargebacks, scheme exposure and operational handling in a live acquiring environment.

You are comfortable working with complex data, real-time payment flows, operational teams and senior stakeholders. You can turn messy risk problems into clear product priorities and measurable outcomes.

You will have worked in an acquiring bank, PSP, payments company, fintech, or in a large merchant with its own acquiring or payments risk team. You understand how acquiring fraud and chargebacks affect growth, margin quality, scheme standing and operational cost.

Bonus

At Tide, we champion a flexible workplace model that supports both in-person and remote work to cater to the specific needs of our different teams.

While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community.