Card Fraud Specialist

🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $50k - $55k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

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Nymbus

WebsiteLinkedInAll Job Openings

201 - 500 employees

🏦 Banking

💳 Fintech

☁️ SaaS

Banking • Fintech • SaaS

Nymbus is a technology company that provides modern banking solutions tailored for banks and credit unions. It offers a robust core banking platform that facilitates the launch of digital banking services and retail strategies, enabling institutions to innovate rapidly while ensuring compliance and operational efficiency. Through its suite of services, including onboarding, digital banking tools, and managed services, Nymbus empowers financial institutions to enhance customer experience and drive growth in a competitive landscape.

📋 Description

• Monitor card transaction activity across platforms (Lithic, Fiserv EFT, VisaDPS, Velera, TransFund) to identify suspicious or high-risk behavior. • Distinguish between true fraud and first-party misuse, applying the appropriate investigation approach, dispute decision, and escalation path for each. • Make sound, well-documented dispute decisions based on case findings, fraud classification, and applicable Visa and Mastercard regulations. • Escalate cases to the appropriate internal teams with thorough summaries, supporting evidence, and a clear recommended course of action. • Manage the full dispute and chargeback lifecycle, adhering strictly to Visa and Mastercard response timelines and regulatory requirements. • Assist in general ledger (GL) reconciliation associated with dispute activity and money movement, ensuring accurate accounting of credits, debits, chargebacks, and recoveries across client portfolios. • Communicate clearly and professionally with cardholders to verify transactions, collect supporting documentation, and explain case outcomes, while carefully assessing credibility as part of the investigation. • Maintain a structured case management workflow to manage multiple concurrent investigations with accuracy and consistency. • Produce complete, accurate case documentation at every stage, investigation steps, fraud classification, decisions, communications, and outcomes. • Contribute to fraud trend reporting and risk insights for internal and client-facing audiences. • Monitor fraud patterns and emerging schemes to identify opportunities to strengthen detection controls, and draft new or updated rules accordingly. • Help develop and maintain SOPs, dispute management workflows, and best practice documentation. • Stay current on Visa/Mastercard rule changes, evolving fraud tactics, and regulatory updates affecting dispute timelines and strategy.

🎯 Requirements

• Exceptional organizational skills with the ability to manage a large volume of concurrent cases accurately and consistently. • Extreme attention to detail. • Strong commitment to dispute deadline management. • Clear, professional communication skills. • Sound judgment in card fraud and dispute decisioning. • Solid working knowledge of identity fraud and first-party fraud indicators. • Familiarity with Visa and Mastercard dispute resolution rules and chargeback processes. • Experience with card fraud platforms such as Lithic, Fiserv EFT, VisaDPS, Velera, or TransFund preferred. • Familiarity with general ledger reconciliation and money movement processes related to dispute and chargeback activity is preferred. • Background in fraud operations, fintech, or financial services preferred.

🏖️ Benefits

• Annual Cash Bonus and Equity Options commensurate with the role level and experience • 100% Remote • 401(k) plan • Insurance - Health, Dental and Vision • Flexible Paid Time Off