Card Fraud Specialist

WORK ENVIRONMENT

Nymbus is a remote-first company. Occasional travel may be required for client engagements, team planning sessions, or company events. Working hours primarily align with the Eastern Time Zone; candidates located in the Eastern or Central time zones are preferred.

POSITION SUMMARY

The Card Fraud Specialist serves as a critical line of defense in protecting the financial assets and reputation of Nymbus clients. This role is well-suited for a detail-oriented, deadline-driven professional who takes pride in managing complex investigations with accuracy and accountability from open to close.

ESSENTIAL JOB FUNCTIONS/RESPONSIBILITIES

• Monitor card transaction activity across platforms (Lithic, Fiserv EFT, VisaDPS, Velera, TransFund) to identify suspicious or high-risk behavior.
• Distinguish between true fraud and first-party misuse, applying the appropriate investigation approach, dispute decision, and escalation path for each.
• Make sound, well-documented dispute decisions based on case findings, fraud classification, and applicable Visa and Mastercard regulations.
• Escalate cases to the appropriate internal teams with thorough summaries, supporting evidence, and a clear recommended course of action.
• Manage the full dispute and chargeback lifecycle, adhering strictly to Visa and Mastercard response timelines and regulatory requirements.
• Aid in general ledger (GL) reconciliation associated with dispute activity and money movement, ensuring accurate accounting of credits, debits, chargebacks, and recoveries across client portfolios.
• Communicate clearly and professionally with cardholders to verify transactions, collect supporting documentation, and explain case outcomes, while carefully assessing credibility as part of the investigation.
• Maintain a structured case management workflow to manage multiple concurrent investigations with accuracy and consistency.
• Produce complete, accurate case documentation at every stage, investigation steps, fraud classification, decisions, communications, and outcomes.
• Contribute to fraud trend reporting and risk insights for internal and client-facing audiences.
• Monitor fraud patterns and emerging schemes to identify opportunities to strengthen detection controls, and draft new or updated rules accordingly.
• Help develop and maintain SOPs, dispute management workflows, and best practice documentation.
• Stay current on Visa/Mastercard rule changes, evolving fraud tactics, and regulatory updates affecting dispute timelines and strategy.

QUALIFICATIONS

• Exceptional organizational skills with the ability to manage a large volume of concurrent cases accurately and consistently.
• Extreme attention to detail.
• Strong commitment to dispute deadline management.
• Clear, professional communication skills.
• Sound judgment in card fraud and dispute decisioning.
• Solid working knowledge of identity fraud and first-party fraud indicators.
• Familiarity with Visa and Mastercard dispute resolution rules and chargeback processes.
• Experience with card fraud platforms such as Lithic, Fiserv EFT, VisaDPS, Velera, or TransFund preferred.
• Familiarity with general ledger reconciliation and money movement processes related to dispute and chargeback activity is preferred.
• Background in fraud operations, fintech, or financial services preferred.

SCHEDULE

Monday - Friday, 9:00 am to 6:00 pm ESTRotating Saturdays

SALARY & BENEFITS

• $50,000 - $55,000 Annual Salary
• Annual Cash Bonus and Equity Options commensurate with the role level and experience
• 100% Remote
• 401(k) plan
• Insurance - Health, Dental and Vision
• Flexible Paid Time Off