Associate, Fraud Investigations, Cards and Disputes

This is a fully remote position, open to applicants in Canada.

📋 Description

• Conduct investigations into card disputes and claims of unauthorized transactions.

• Assess transaction data, authentication techniques such as 3DS, Apple Pay, and Chip & PIN, along with digital footprints.

• Differentiate between genuine fraud and friendly fraud, as well as commercial disputes.

• Submit precise chargebacks in accordance with Visa/Mastercard dispute regulations.

• Assess when and how liability shifts take effect.

• Engage directly with clients regarding the dispute process and any missing funds.

• Set realistic expectations concerning card network timelines while providing empathetic and clear updates.

• Handle multiple card disputes in compliance with internal and regulatory case-closure service level agreements (SLAs).

• Take part in weekly calibration meetings with colleagues.

• Disseminate findings and pinpoint card-testing (BIN) attacks and merchant fraud schemes.

⛳️ Requirements

• At least 1 year of direct experience in fraud or disputes.

• Experience related to card chargebacks, Visa/Mastercard network regulations, or transaction monitoring is highly advantageous.

• Proven knowledge of fraud management frameworks, controls, and prevention systems in the financial services and payments sector.

• Capability to collect, organize, and analyze datasets with a high degree of precision and accuracy.

• Outstanding written and verbal communication abilities.

• Strong attention to detail.

• Proficiency in analyzing authorization data, IP addresses, device IDs, and entry methods.

• Willingness to work rotating shifts, including weekends, from Monday to Sunday between 8:00 AM and 8:30 PM EST.

• Legally authorized to work in Canada.

🏝️ Benefits

• Comprehensive health benefits and life insurance coverage.

• Long-term group savings plan with employer matching, managed through Wealthsimple for Business.

• 20 vacation days annually.

• 4 wellness days each year.

• Unlimited sick leave and mental health days per year.

• Option to work outside Canada for up to 90 days annually.

• Access to employee resource groups, including Rainbow (2SLGBTQ), Women of WS, and Black at WS.

• Collaboration with skilled colleagues across North America.