Card Fraud Chargeback Analyst - 12 Month FTC

Handelsbanken; Manchester; On-site; GBP 30,000 - 42,000; Full time

Job summary

Handelsbanken in Manchester is recruiting a Financial Crime Card Fraud Chargeback Analyst on a 12 Month Fixed Term Contract. The role supports a team of fraud specialists focused on recovering funds from unauthorised card transactions and validating chargeback claims.

You will work with internal systems and card schemes to investigate incidents, manage cases within timeframes, and contribute to fraud prevention strategy. A strong attention to detail and ability to prioritise is essential.

Qualifications

• Experience in basic card fraud investigations and chargeback handling.
• Understanding of chargeback rules and timelines.
• Knowledge of UK fraud regulation and standards.

Responsibilities

• Undertake basic card fraud investigations related to Chargebacks.
• Ensure end-to-end chargeback cases are managed within prescribed timescales.
• Move funds related to Chargeback cases and liaise with card schemes (e.g., Mastercard).
• Use investigative systems and data sources to support fraud findings.
• Complete UARs where appropriate and support relevant internal teams with queries.
• Assist in developing and reviewing chargeback controls and processes.

Skills

Card fraud investigations

Chargeback processes

UK fraud legislation

Tools

Fraud detection systems

3-D Secure

Mastercard schemes

Job description

Job Introduction

Handelsbanken is a relationship bank built on trust, long-term thinking and local decision-making. We provide bespoke banking and wealth management services to personal and corporate customers,

Job Introduction

Handelsbanken is a relationship bank built on trust, long-term thinking and local decision-making. We provide bespoke banking and wealth management services to personal and corporate customers,

Check our Handelsbanken website for further information

The opportunity

We have an exciting opportunity to join our Fraud and Anti-Bribery & Corruption team as a Financial Crime Card Fraud Chargeback Analyst on a 12 Month Fixed Term Contract. This role will be based at our Manchester City Centre Head Office.

The role is to work within a team of fraud specialists who respond to, and investigate fraud incidents affecting our customers and drive the Bank’s fraud prevention strategy.

This role is primarily focused on the recovery of funds relating to unauthorised Card fraud transactions via the Chargeback scheme. As part of this role there will be a basic level of investigation required to validate Chargeback claims, as well as a strong attention to detail and understanding of the chargeback scheme rules.

A level of independent working and the ability to manage competing priorities within time critical timeframes is key to this role.

Key responsibilities

• Undertake basic card fraud investigations in relation to Chargebacks.
• Responsible for timely management of the end to end process for Chargeback cases ensuring that all cases are managed with prescribed timescales.
• Responsible for movement of funds relating Chargeback cases.
• Responsible for reporting to and liaising with the scheme (Mastercard) in relation to fraud cases.
• Utilising high level investigative techniques, systems and information across a range of internal and external sources.
• Completion of UARs if deemed appropriate.
• Provide assistance to branch colleagues and any other relevant internal departments, with general Chargeback related queries.
• Support the development and review of instructions, controls and processes relevant to the Chargeback process.
• Undertaking the recording and input of cases of Card fraud on internal systems.

What we’re looking for

• Work as part of the team to ensure the day to day activities are adequately prioritised to suit shifting demands.
• Work independently and manage cases according to scheme time frames.
• Work to tight deadlines and often under pressure whilst maintaining a high level of quality and competency.
• Understanding of Card Fraud typologies and enablers.
• A good working knowledge of card chargeback and disputes rights
• Awareness of legislation and UK initiatives pertaining to fraud offences such as Fraud Act 2006, PSR 2017.
• Excellent communication and decision making skills with the ability to demonstrate sound judgement based on a clearly stated rationale to reflect the right business outcome.
• Strong analytical and problem solving skills and attention to detail, presenting information in a clear and concise manner.
• Experience of working with card fraud detection systems, authentication protocols and services such as 3-D secure, MasterCard etc would be preferred.
• Awareness of the changing regulatory landscape in relating to fraud prevention including but not limited to PSD2/3, FCA, PRA, PSR and AML requirements.
• An awareness of the fraud threat landscape, banking products and the UK regulatory environment is not essential but would be preferred

Why join Handelsbanken

We want everyone at Handelsbanken to feel supported, motivated, and able to do great work. That’s why, alongside brilliant colleagues, meaningful work and training and development opportunities, we provide a variety of benefits designed with your wellbeing in mind.

In addition, there is a flexible benefits package with the key highlights detailed below.

The Bank is deeply committed to embedding good equality and diversity practice into all of our activities. This is so that we are an inclusive, welcoming and inspiring place to work that encourages everyone to apply, regardless of socio-economic background, age, disability, pregnancy and/or parental status, race (including colour, nationality, and ethnic or national origin), veteran status, marital and civil partnership status, religion or belief, sex, gender reassignment or sexual orientation.