Card Investigation Rep

Reviews member activity, verifies suspicious transactions, documents findings, processes claims, supports fraud recovery, and maintains a positive member experience while working with urgency and accuracy. Investigates and resolves suspected fraud and disputed transactions involving debit cards, credit cards, ATMs, and online services.

Card Investigations Technician
Job Summary

Investigates and resolves suspected fraud and disputed transactions involving debit cards, credit cards, ATMs, and online services. Reviews member activity, verifies suspicious transactions, documents findings, processes claims, supports fraud recovery, and maintains a positive member experience while working with urgency and accuracy.

Responsibilities

• Monitor card activity using manual and automated fraud detection processes.
• Identify, investigate, document, and resolve fraud and dispute claims.
• Contact members to verify suspicious debit and credit card activity.
• Report verified fraud to internal claims teams, vendors, merchants, payment processors, and appropriate authorities.
• Research documentation and prepare accurate materials for fraud claims, disputes, chargebacks, and recovery efforts.
• Collect, evaluate, and maintain evidence in accordance with established procedures.
• Process chargebacks and reimbursements using appropriate transaction codes and regulatory requirements.
• Respond to member, branch, and department inquiries in a timely and professional manner.
• Escalate issues that may affect organizational assets, compliance, or member satisfaction.
• Provide relevant fraud information to internal departments and investigating authorities.
• Maintain accurate claim notes, call records, account adjustments, and investigation documentation.
• Remain current on card network rules, financial regulations, internal procedures, and fraud prevention practices.
• Follow applicable security, audit, compliance, confidentiality, and anti-money-laundering requirements.

Requirements

• High school diploma or equivalent.
• At least one year of experience in a financial institution or in credit and debit card operations.
• Experience processing fraud and non-fraud claims is preferred.
• Ability to meet required deadlines and regulatory time frames.
• Knowledge of financial products, services, policies, and procedures.
• Understanding of card regulations and applicable federal and state requirements.

Skill

• Strong oral and written communication skills.
• Excellent attention to detail and investigative ability.
• Effective organization, prioritization, and multitasking skills.
• Basic Microsoft Excel and personal computer skills.
• Ability to operate standard office and electronic banking equipment.
• Ability to work independently and collaboratively.
• Strong judgment, discretion, and problem-solving skills.
• Member-focused approach with the ability to communicate complex information clearly.

Summary Qualification

• High school education with relevant financial services or card operations experience.
• Demonstrated ability to investigate suspicious activity and resolve transaction disputes.
• Working knowledge of card fraud procedures, claims processing, chargebacks, and regulatory compliance.
• Proven ability to maintain accurate records and handle confidential information.
• Self-motivated professional who performs effectively in a fast-paced environment.

 

Wollborg Michelson Recruiting is an Equal Opportunity Employer and prohibits discrimination of any kind. We ensure job offers are made based of one s employment experience, skills, and qualifications, regardless of race, gender, ethnic origin, or any other classification protected by law. All applicants must furnish proper identification to prove their legal right to work in the US upon a job offer. We participate in E-Verify to confirm one s right to work in the US. Wollborg Michelson Recruiting does not provide sponsorship for an employment-based visa status.