Real-Time Fraud Prevention & Card Authorization Specialist

RCBC Bankard Services Corporation; Metro Manila; On-site; PHP 240,000 - 360,000; Full time

Job summary

RCBC Bankard Services Corporation is seeking a Credit Authorizer to handle On-Us and Off-Us transactions according to approved policies. You will review accounts for fraud, and decide on authorization requests and reversals, including call referrals and BIN verification.

Real-time analysis using EMS and VRM is required to counter fraud and ensure secure card usage for Issuing and Acquiring business lines.

Qualifications

• Graduates of a four-year college, preferably business.
• At least 1 year of experience as a Credit Authorizer.
• Extensive knowledge of card authorization and fraud detection.
• Familiarity with EMS/VRM or other fraud monitoring tools.
• Knowledge of card networks and internal response codes.
• Experience with Ascend System or related credit/debit platforms.
• Understanding end-to-end card lifecycle from application to usage.

Responsibilities

• Process On-Us and Off-Us credit card transactions in accordance with policies.
• Review accounts and render decisions on fraud-related tasks.
• Handle authorizations, reversals, call referrals, and BIN verification.
• Perform real-time fraud reviews using EMS/VRM to mitigate risk.

Skills

Credit authorization

Fraud detection

EMS/VRM tools

Network knowledge

Ascend/credit-debit systems

End-to-end card lifecycle

Education

Bachelor’s degree (4-year)

Tools

Ascend System

Fraud monitoring tools

Job description

RCBC Bankard Services Corporation is seeking a Credit Authorizer to handle On-Us and Off-Us transactions according to approved policies. You will review accounts for fraud, and decide on authorization requests and reversals, including call referrals and BIN verification.

Real-time analysis using EMS and VRM is required to counter fraud and ensure secure card usage for Issuing and Acquiring business lines.