Fraud Disputes Analyst

At USALLIANCE, we pride ourselves on innovation, teamwork, training and development, and career planning. We are a unique members-first Credit Union Culture driven by our core Values: Trust, Collaboration, Achievement, and Making a Difference. As part of our team, you will have the opportunity to grow both personally and professionally in an inclusive and supportive environment. Represent USALLIANCE in the community and form lasting relationships with our members and partners.

About the role

The Fraud Disputes Analyst is responsible for analyzing card transactions to identify and prevent potential fraudulent activity. This position supports card fraud investigations, provides recommendations to strengthen fraud detection rules and strategies, and serves as the primary point of contact for members throughout the fraud dispute process.

Responsibilities

• Process member-initiated fraud disputes and claims in accordance with Regulation E, card network rules, and internal policies and procedures.
• Analyze card, ACH, and Zelle transaction activity to detect and identify potentially fraudulent or unauthorized activity.
• Support payments fraud investigations by researching account and transaction history, utilizing the Credit Union’s system software, reports, and databases, to determine if activity is consistent with the member’s typical usage patterns.
• Determine whether disputed transactions were authorized or unauthorized based on investigation findings.
• Serve as the primary point of contact for members throughout the fraud dispute and claims process.
• Provide recommendations to support and refine fraud detection rules and strategies based on emerging trends and investigation outcomes.
• Document investigation findings, decisions, and supporting rationale within the case management system.
• Communicate professionally and empathetically with members who have experienced fraud, providing clear updates on dispute status and resolution.
• Collaborate with internal departments, card networks, and processors to gather information needed to resolve disputes.
• Stay current on emerging fraud trends, scams, and typologies affecting card transactions.
• Assume additional fraud risk management-related responsibilities and special projects as assigned.

Requirements

• High school diploma or equivalent required.
• Minimum of 1 year of related experience in the Financial Services industry.
• Excellent written and verbal communication skills.
• Ability to work both independently and with team members across lines of business.
• Familiar with banking laws and regulations, especially around disputes and fraud operations.
• Thorough knowledge of Bank Secrecy Act, USA Patriot Act, etc.

Benefits

• Hybrid Schedule (minimum 3 days in office to maximize collaboration).
• Competitive salary and benefits package including 401K with 6% match.
• Paid Time Off, Wellness Time, and Paid Federal holidays.
• Opportunities for professional development and career growth with exposure to mentorship from the executive team.
• A collaborative and inclusive work environment.
• High Performance Culture that specializes in training to sharpen and expand skills.

Pay

The base salary/hourly range for this position is $26.78 - $33.47, exclusive of fringe benefits or potential incentives. This position is also eligible for an annual corporate bonus. Final base salary compensation will be determined based on factors such as skills, education, and/or experience, with consideration for pay equity and internal equity of current team members.

All positions must adhere to standard BSA/AML policies, procedures, and processes. Employees must demonstrate awareness of business functions and how business decisions affect financial and/or non-financial work results.