Card Disputes Specialist

Coastal Credit Union; Raleigh (NC); Hybrid; USD 52,000 - 72,000; Full time

Job summary

Coastal Federal Credit Union in Raleigh, NC, seeks a Card Disputes Specialist to serve as the subject matter expert for debit/credit card disputes, fraud investigations, and chargebacks. You will research transactional data, analyze fraud trends, and ensure timely dispute processing in line with Regulation E and Visa rules.

You will process chargebacks, support members and staff, investigate fraud, document cases, post and reconcile related transactions, and collaborate with internal teams to

Qualifications

• Two years of experience in a financial institution
• Proficient in Microsoft Excel and adaptable to new banking software tools
• High school diploma or equivalent

Responsibilities

• Chargeback Processing & Compliance: Interpret and apply Visa rules and regulations throughout the chargeback process to maximize recovery of member funds and ensure activity is compliant with Regulation E and internal policies.
• Member & Internal Support: Serve as a primary contact for card disputes from members, Contact Center, and branches; provide guidance on dispute status and outcomes.
• Fraud & Dispute Investigation: Review transactional data, identify fraud patterns, and assist in determining common points of purchase to support trend mitigation.
• Case Documentation & Records Management: Maintain thorough, accurate case notes for easy access by internal teams.
• Financial Transaction Processing: Understand general ledger structures and post/reconcile transactions related to disputes and provisional credits.
• Collaboration & Process Support: Work with internal departments to strengthen fraud prevention and ensure consistent application of procedures

Skills

Excel

Banking software familiarity

Education

High school diploma or equivalent

Tools

Banking software tools

Job description

Job Title: Card Disputes Specialist

Position Location: Raleigh, NC. Hybrid position, must live locally.

Job Summary:

The Card Disputes Specialist serves as a subject matter resource for debit and credit card disputes, fraud investigations, and chargebacks. This role supports members and internal teams by researching transactional data, analyzing fraud trends, and ensuring timely and accurate dispute processing in compliance with Regulation E and applicable Visa rules and regulations.

As a key contributor to the Coastal team, your responsibilities will be:

• (25%) Chargeback Processing & Compliance : Interpret and apply Visa rules and regulations throughout the chargeback process to maximize recovery of member funds. Ensure all dispute and chargeback activity is processed accurately and in compliance with Regulation E and internal policies.

• (20%) Member & Internal Support Serve as a primary point of contact for card fraud and dispute-related inquiries from members, the Contact Center, and branch staff. Collect information, respond to member calls, and provide clear, professional guidance regarding dispute status, next steps, and expected outcomes.

• (20%) Fraud & Dispute Investigation Investigate reported card fraud and dispute items by reviewing transactional data, identifying potential fraud patterns, and assisting in determining common points of purchase. Analyze daily fraud activity to support trend detection and mitigation efforts

• (15%) Case Documentation & Records Management Review supporting documentation and maintain thorough, accurate, and timely case notes to ensure cases may be accessed, understood, and continued by other internal teams as needed.

• (10%) Financial Transaction Processing Understand general ledger structure and correctly post and reconcile financial transactions related to disputes, fraud claims, provisional credits, and chargebacks.

• (10%) Collaboration & Process Support Collaborate with internal departments to support fraud prevention efforts and ensure consistent application of procedures. Contribute to a positive member experience through teamwork, attention to detail, and adherence to service standards.

Interested? Here are the qualifications we need to see on your resume:

Experience:

• Two years of experience in a financial institution
• Proficient in Microsoft Excel and adaptable to new banking software tools.

Education:

• High school diploma or equivalent

Essential cognitive/physical/social requirements of position:

Must be able to learn and retain information; resolve problems and think sequentially; remain in a stationary position; constantly operate a computer; and converse with others on a continual basis.

Deadline for Application: All resumes must be received on or before 9/24/2026

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

Coastal Federal Credit Union is committed to providing reasonable accommodations to applicants who may have disabilities. If you need special assistance or an accommodation in applying for employment, please contact our HR department at [e-mail]. Request for reasonable accommodation will be considered on a case by case basis.

"It's our duty to create a workplace and company culture where everyone feels heard and valued, and is appreciated for their unique backgrounds, experiences, and perspectives. At the end of the day, what truly matters is that every person who walks through our doors believes that they are an integral part of our team and can bring their best, true self to work each day. Building a culture of inclusivity means creating an environment where everyone thrives and succeeds together."

-Tyler Grodi, CEO

VEVRAA Federal Contractor

Equal Opportunity/Affirmative Action Employer

Minority/Female/Disability/Veterans