Payments Disputes Consultant || Onsite role in Charlotte, NC

DMS Vision • Charlotte, NC

17h • Onsite

About The Position

The Functional Consultant (Disputes) will apply banking card operations expertise to payment dispute resolution, chargebacks, regulatory compliance, and fraud analysis. The role involves managing the end-to-end dispute lifecycle, including intake, investigation, provisional credit, representment, arbitration, and recovery. The consultant will handle fraud and non-fraud disputes, including unauthorized transactions, ATM cash claims, merchant disputes, and ACH returns. Responsibilities also include resolving Zelle disputes, analyzing dispute trends and root causes, and supporting fraud prevention and operational improvements. The role requires working knowledge of payment network rules and regulations, applicable consumer regulations, regulatory timelines, and customer communication standards. Familiarity with TSYS, FIS, or Fiserv is preferred.

Requirements

• Strong working knowledge of network rules and regulations, including Visa, Mastercard, and NACHA, as well as Reg E and Reg Z.
• Expertise in the end-to-end dispute process lifecycle.
• Operational experience handling fraud and non-fraud disputes, including unauthorized transactions, ATM cash claims, merchant disputes, and ACH returns.
• Proficiency in Zelle dispute handling, including scam-versus-unauthorized classification, liability assessment, and bank-to-bank coordination.
• Ability to analyze dispute trends, root causes, and leakage points and identify actionable improvements.
• Strong understanding of regulatory timelines and customer communication standards for dispute resolution.
• Banking card operations experience.

Nice To Haves

• Familiarity with tools such as TSYS, FIS, or Fiserv.

Responsibilities

• Manage the end-to-end dispute process, including intake, investigation, provisional credit, representment, arbitration, and recovery.
• Handle fraud and non-fraud disputes, including unauthorized transactions, ATM cash claims, merchant disputes, and ACH returns.
• Process Zelle disputes, including scam-versus-unauthorized classification, liability assessment, and bank-to-bank coordination.
• Analyze dispute trends, root causes, and leakage points, and develop actionable insights to support fraud prevention and operational improvement.
• Coordinate with card networks, sponsor banks, and third-party processors.
• Follow regulatory timelines and customer communication standards for dispute resolution.

What This Job Offers

• Education Level: No Education Listed