Junior Cards Fraud and Disputes Analyst

Latino Credit Union•Durham, NC

6d•Onsite

About The Position

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.

Requirements

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.
Strong understanding of Visa rules, regulations, and compliance requirements including Reg E/Reg Z.
Proficiency in card processing systems and software, as well as dispute management platforms.
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.

Nice To Haves

Credit Union or banking experience preferred.
Understanding of card network authorizations, fraud preventions systems preferred.
Bilingual with proficiency in English and Spanish is a plus.

Responsibilities

Assist with 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
Serve as back up card services operations analyst
Prepare and submit chargebacks, representments, and pre-arbitration documentation under the direction of senior staff
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
Assist 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
Maintain accurate records and documentation in dispute and card processing systems
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
Support updates to procedures and job aids related to dispute management
Perform other related duties as assigned