Card Fraud Specialist 1

Summit Credit Union•Village of Cottage Grove, WI

About The Position

At Summit Credit Union, we believe protecting our members’ financial well-being is fundamental to trust. As a Card Fraud Specialist, you’ll serve on the front lines of fraud prevention—reviewing, investigating, and resolving debit card fraud and dispute claims that impact our members and the credit union’s assets. In this role, you’ll combine analytical expertise, attention to detail, and compassionate communication to ensure members feel supported while maintaining strong risk management and regulatory compliance. Your work plays a critical role in safeguarding member confidence and reinforcing Summit’s commitment to service and security. If you’re detail-focused, thrive in investigative work, and value doing the right thing for members—this could be your next great move.

Requirements

1–2 years of experience in financial services, customer service, fraud operations, or card services
Associate degree or equivalent related work experience
Basic proficiency with Microsoft Office and ability to learn fraud detection, case management, and core processing systems
Strong analytical, problem-solving, and decision-making skills with keen attention to detail
Excellent written and verbal communication skills, including confidentiality and sensitivity handling
Ability to work independently and collaboratively while managing multiple cases in a fast-paced environment

Responsibilities

Investigate & Process Card Fraud Claims
Accurately review, investigate, and process debit card fraud and dispute claims within Visa, State, Federal, and Regulation E timelines, ensuring proper liability determination and member protection.
Ensure Compliance & Documentation Accuracy
Prepare thorough, clear, and complete investigation documentation that supports audit readiness, regulatory compliance, and successful dispute resolution in accordance with network rules.
Communicate with Members
Provide timely, transparent updates to members regarding claim status, required documentation, and next steps—building trust and understanding throughout the investigation process.
Handle Complex Conversations with Care
Navigate challenging discussions about liability, outcomes, and documentation professionally and empathetically, ensuring members feel informed and supported.
Manage High-Volume Workloads
Efficiently prioritize and manage a large volume of fraud claims by balancing risk, member impact, and required processing deadlines for investigations, adjustments, and chargebacks.
Collaborate & Escalate When Needed
Work closely with internal departments, law enforcement, and external agencies to support positive investigation outcomes and a unified approach to fraud prevention.
Analyze Fraud Trends
Identify claim patterns and trends, reporting actionable insights to the Fraud Analyst to support proactive fraud mitigation strategies.