Card Fraud Specialist

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

📋 Description

• Oversee card transaction activities across various platforms (Lithic, Fiserv EFT, VisaDPS, Velera, TransFund) to detect suspicious or high-risk behaviors.

• Differentiate between genuine fraud and first-party misuse, applying the appropriate investigative approach, dispute decision, and escalation process for each case.

• Make well-informed and thoroughly documented dispute decisions based on case findings, fraud classifications, and relevant Visa and Mastercard regulations.

• Elevate cases to the relevant internal teams with detailed summaries, supporting evidence, and a clearly recommended course of action.

• Oversee the entire dispute and chargeback lifecycle, strictly adhering to Visa and Mastercard response timelines and regulatory requirements.

• Assist in reconciling the general ledger (GL) related to dispute activities and money movements, ensuring accurate accounting of credits, debits, chargebacks, and recoveries across client portfolios.

• Communicate clearly and professionally with cardholders to verify transactions, gather supporting documentation, and explain case outcomes, while carefully evaluating credibility as part of the investigation.

• Maintain an organized case management workflow to handle multiple concurrent investigations with precision and consistency.

• Generate complete and accurate case documentation at every stage, including investigation steps, fraud classifications, decisions, communications, and outcomes.

• Contribute to fraud trend reporting and risk insights for both internal and client-facing audiences.

• Monitor fraud patterns and emerging schemes to identify opportunities for enhancing detection controls, and draft new or updated rules as needed.

• Assist in developing and maintaining standard operating procedures (SOPs), dispute management workflows, and best practice documentation.

• Stay updated on Visa/Mastercard rule changes, evolving fraud tactics, and regulatory updates that impact dispute timelines and strategies.

⛳️ Requirements

• Outstanding organizational skills with the ability to accurately and consistently manage a large volume of concurrent cases.

• Exceptional attention to detail.

• Strong dedication to managing dispute deadlines.

• Clear and professional communication abilities.

• Sound judgment in card fraud and dispute decision-making.

• Solid understanding of identity fraud and first-party fraud indicators.

• Familiarity with Visa and Mastercard dispute resolution rules and chargeback processes.

• Preferred experience with card fraud platforms such as Lithic, Fiserv EFT, VisaDPS, Velera, or TransFund.

• Familiarity with general ledger reconciliation and money movement processes associated with dispute and chargeback activities is preferred.

• Background in fraud operations, fintech, or financial services is preferred.

🏝️ Benefits

• Annual Cash Bonus and Equity Options commensurate with the role level and experience.

• 100% Remote work arrangement.

• 401(k) plan.

• Insurance coverage including Health, Dental, and Vision.

• Flexible Paid Time Off.