Dispute Specialist

Mountain America Credit Union•Sandy, UT

3d•Hybrid

About The Position

The Dispute Resolution Specialist plays a pivotal role in safeguarding the financial well-being of our members and protecting the credit union’s integrity. By providing exceptional service, this role ensures members and team members receive expert assistance in filing both fraud and non-fraud card-related claims. The specialist takes ownership of reviewing rebuttal documentation and compelling evidence provided by merchants, making informed decisions that directly impact members' financial security and peace of mind. Through critical thinking and investigative expertise, they are accountable for resolving claims with precision and integrity, whether the claims are against or by members of the credit union.

Requirements

2+ years of retail banking or related financial service and customer service experience
Microsoft Office Suite knowledge and the ability to learn applicable software to do the job.
Must have demonstrated great organizational skills.
Must have demonstrated attention to detail.
Ability to communicate effectively using written and verbal communication
Ability to show effective decision-making skills and recognize the appropriate action to be taken based on recovery probability in both fraud and non-fraud claims
Ability to take feedback and implement goals to make improvements.
Ability to accel in a fast-paced and goal-oriented environment.
Ability to meet deadlines and adhere to defined time frames.

Nice To Haves

Fraud or Dispute related experience preferred
Knowledge of Visa, STAR, and/or Co-Op network rules preferred, but not required
Prefer general knowledge of credit union operations and organizational structure.
Has a thorough knowledge of regional and international card network rules and regulations, and Credit Union policies and procedures, applicable to card fraud claims

Responsibilities

Maintains Mountain America’s mission, vision, and values by providing quality service to credit union members to resolve problems and enhance their financial relationship.
Provide superior customer service to both internal and external customers via email and telephone, escalate complex concerns as directed
Accurately and efficiently initiate card claims, and advises business partners in the same.
Utilizes critical thinking to investigate complex card fraud, card disputes and ATM dispute cases in which members are victims or perpetrators.
Own the outcomes and decisions of these investigations, recognizing their direct financial impact on the member experience and organizational trust
Meticulously review rebuttal documentation and compelling evidence provided by merchants on card fraud claims, and respond effectively to ensure favorable recovery outcomes
Gathers and documents critical evidence including transaction information, internal reports, online banking records, security footage, and other appropriate evidence
Work closely with Fraud Data Analysts to communicate card fraud findings or issues, contributing to the improvement of card fraud rules and prevention strategies
Interviews members, internal partners, and reviews filing phone calls to clarify affidavit statements, as needed
Accurately and appropriately issue credits to members’ accounts, as directed
Process technical and quality reviews to ensure accurate submission of all card claims, both fraud and non-fraud
Processes all card claims submissions across multiple networks
Promptly and appropriately logs complaints and submits Unusual Activity Referrals (UAR’s) to the BSA Team
Gathers and provides feedback on other business units in regard to all ATM, Card Fraud, and Non-Fraud Card disputes to Dispute Resolution Specialists III’s for training and coaching.
Assists process improvement and surfaces ideas and feedback to management.
Keeps current on fraud trends and complies with all regulations as required by law, including but not limited to the Bank Secrecy Act, OFAC, FACT Act, GLBA, Regulation CC, Regulation DD, Regulation Z, Regulation E and other regulations as required by law as it relates to the position.
Perform other duties as assigned.