Disputes Operations Analyst II

3M HEALTHCARE; Bengaluru; On-site; INR 600,000 - 900,000; Full time

Benefits offered by this job

Excellent health coverage

Stock options

Hybrid work model

Meal allowance

Transportation assistance

Generous paid time off

Job summary

3M HEALTHCARE is seeking a Disputes Operations Analyst II in Bengaluru for a hybrid role. You will manage end-to-end disputes across debit, credit, and non-debit transactions, file claims with vendors, and validate data against regulatory requirements.

The role focuses on identifying fraud patterns and improving dispute processes to mitigate risk. The ideal candidate has a finance-related degree and 1+ years in fraud operations, with strong written communication and process-improvement skills.

Qualifications

• 1+ years of experience in fraud operations, specifically in dispute resolution within a fintech or banking environment preferred.
• Demonstrated expertise with Network rules (Visa/Mastercard), NACHA rules, and U.S. Banking regulations (Reg E, Reg Z).
• Proven ability to perform complex root-cause analysis and problem-solving in a fast-paced environment.
• Exceptional written communication skills with precise documentation for internal and external use.
• Strong organizational skills and time management to meet deadlines.

Responsibilities

• Manage the full dispute lifecycle, from initial claim intake to final resolution for debit card, credit card, and non-debit related disputes.
• Accurately file dispute claims with third-party vendors and financial institutions.
• Review and validate claim data according to Business Bank requirements.
• Lead investigations into unauthorized transactions and potential card fraud or account takeover (ATO).
• Ensure dispute processing adheres to Network, NACHA, and Banking regulations (Reg E, Reg Z).
• Maintain clear written communication with internal stakeholders, partner banks, and vendors to facilitate resolution.
• Collaborate with Risk, Fraud Operations, and Compliance teams to share insights and strengthen controls.
• Identify process improvements and drive changes to strengthen the dispute resolution framework.
• Prioritize a high-volume queue of claims while maintaining accuracy and SLAs.

Skills

Fraud operations

Root-cause analysis

Written communication

Time management

Regulatory awareness

Education

Bachelor's degree in Finance, Accounting, Business Administration, or related field

Job description

This is a hybrid role.

ABOUT THE ROLE:

As the Disputes Operations Analyst II, you will be responsible for managing the end-to-end lifecycle of client dispute claims, including those related to debit cards, credit cards, and non-debit transactions. This role focuses on reviewing and validating claim data, filing disputes with external vendors, and ensuring each case is handled accurately and in accordance with regulatory and network requirements. You will play a key role in investigating transaction activity, assessing claim legitimacy, and taking appropriate action to mitigate financial and operational risk. Additionally, you will contribute to strengthening dispute processes, identifying trends, and supporting improvements that enhance efficiency, compliance, and the overall client experience.

WHAT YOU'LL DO:

• Manage the full dispute lifecycle, from initial claim intake to final resolution, for debit card, credit card, and non-debit related disputes.
• Accurately file dispute claims with third-party vendors and financial institutions.
• Conduct meticulous data review and analysis to validate the legitimacy of all submitted claims in accordance with Business Bank requirements.
• Lead comprehensive investigations into unauthorized transactions, focusing on identifying patterns of card fraud, account takeover (ATO) activity, and other emerging risk factors such as dispute abuse.
• Ensure all dispute processing activities adhere to applicable Network, NACHA, and Banking regulations (i.e. Reg E, Reg Z).
• Maintain clear, professional, and effective written communication when interacting with internal stakeholders, partner banks, and vendors to facilitate claim resolution.
• Collaborate cross-functionally with Risk, Fraud Operations, and Compliance teams to share insights and implement control improvements.
• Proactively identify opportunities for process improvement, take ownership of implementing changes, and contribute to the continuous strengthening of BlueVine's dispute resolution framework.
• Efficiently manage and prioritize a high-volume daily queue of claims while maintaining accuracy and adherence to strict service-level agreements (SLAs).

WHAT WE LOOK FOR:

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field
• 1+ years of experience in fraud operations, specifically in dispute resolution within a fintech or banking environment preferred.
• Demonstrated expertise and strong working knowledge of Network rules (Visa/Mastercard), NACHA rules, and U.S. Banking regulations (Reg E, Reg Z).
• Proven ability to perform complex root-cause analysis and problem-solving in a fast-paced environment.
• Exceptional written communication skills, with an emphasis on creating detailed and accurate documentation for internal records and external correspondence.
• Strong organizational skills and the ability to manage time effectively to meet deadlines.
• Applicants must be currently authorized to work in the United States on a full-time basis

Benefits & Perks

• Excellent group health coverage and life insurance
• Stock options
• Hybrid work model
• Meal allowance
• Transportation assistance (terms and conditions apply)
• Generous paid time off plan, Holidays
• Company-sponsored mental health benefits
• Financial advisory services for both short- and long-term goals
• Learning and development opportunities to support career growth
• Community-based volunteering opportunities