Junior Cards Fraud and Disputes Analyst

Description

Your Contribution
The Junior Cards Fraud and Disputes Analyst supports the Credit Union’s debit and credit card dispute and chargeback processes. This role assists with intake, investigation, documentation, and resolution of member disputes in compliance with regulatory requirements and card network rules. The position plays a key role in protecting members, identifying fraud trends, minimizing losses, and ensuring a positive and timely dispute resolution experience.

Essential Duties And Responsibilities

• Aid in the end-to-end processing of debit and credit card disputes, including intake, documentation, investigation, and resolution
• Support compliance with applicable regulations and card network rules, including Regulation E, Regulation Z, Visa, and Mastercard guidelines
• Prepare and submit chargebacks, representments, and pre-arbitration documentation under the direction of senior staff
• Maintain accurate records and documentation in dispute and card processing systems
• Monitor dispute queues and aging to ensure timely processing and adherence to regulatory deadlines
• Communicate with internal teams (branches, contact center, fraud, accounting) regarding dispute status and requirements
• Review transaction data, merchant information, and supporting documentation to determine dispute eligibility and next steps
• Afford assistance with provisional and final credit processing and related account adjustments
• Track dispute outcomes, losses, and recoveries; assist in maintaining dispute metrics and reports
• Identify fraud trends, recurring issues, or process gaps and escalate findings to manager
• Interact with other departments and vendors to ensure optimal information exchange, fraud escalations and fraud loss accounting
• Provide training to front office staff periodically on dispute-related topics
• Perform other related duties as assigned

Requirements

• A High School’s degree in a relevant field or equivalent combination of education and experience
• 0 to 2 years of experience in card services, credit card operations, or financial services industry, with a focus on credit/debit card products dispute and fraud prevention
• Credit Union or banking experience preferred
• Strong understanding of Visa rules, regulations, and compliance requirements including Reg E/Reg Z
• Understanding of card network authorizations, fraud preventions systems preferred
• Proficiency in card processing systems and software, as well as dispute management platforms
• Bilingual with proficiency in English and Spanish is a plus
• Excellent analytical skills and attention to detail, with the ability to analyze data, identify trends, and make data-driven decisions
• Excellent communication and interpersonal skills, with the ability to interact effectively with stakeholders at all levels

LCCU Is The Perfect Fit For You

If you are motivated to learn and grow into the best version of your professional and personal self.
Your core values resonate with pursuing meaningful results to make a positive difference in your community.
You thrive in an environment with team members who work from the heart.
With employees from 20 different countries, we are a fun and multicultural team that comes together to embrace and learn from our differences.
Organizational initiatives are constant.

What Does LCCU Have To Offer You?

• A challenging and friendly work environment
• A competitive salary and benefits package, including an employer-paid medical insurance plan, 401(k) plan (with a substantial company match), employer-paid life and disability plan, and generous paid time off to maintain a healthy work/life balance
• We foster a culture that incites creativity, encourages collaboration, and provides the opportunity for our employees to be their best and build their careers

Apply Now!

To learn more about Latino Community Credit Union visit our webpage, www.latinoccu.org, and to view available opportunities, please visit the Careers section.