Card Fraud Investigations Specialist

Golden 1; Sacramento (CA); Hybrid; USD 32,000 - 34,000; Full time

Job summary

Golden 1 Credit Union in Sacramento is seeking a Card Investigations Representative to handle card fraud and nonfraud disputes, protect member accounts, and support recovery efforts. The role emphasizes adherence to Visa and Mastercard rules, Regulation E/Z, and strong investigative skills.

You will review evidence, manage chargebacks, and liaise with members, merchants, processors, and law enforcement to resolve cases while maintaining regulatory compliance and delivering excellent member

Qualifications

• HS diploma or GED required.
• 2+ years relevant experience required.

Responsibilities

• Investigate, respond and resolve all card fraud and nonfraud dispute claims and matters.
• Research and review documents for submission of fraud and nonfraud dispute claims.
• Demonstrate excellent oral and written communications with Visa, Mastercard, merchants, processors, law enforcement, and members; report and elevate issues.
• Resolve member and branch issues and related service concerns; timely handling of calls and emails.
• Collaborate with other business units and investigating authorities; provide relevant information from uncovered fraud accounts.
• Collect, evaluate, and document evidence; support chargebacks per network rules.
• Maintain knowledge of state and federal laws related to credit union compliance; update procedures accordingly.
• Perform chargebacks to recover fraudulent or disputed transactions; stay informed of network updates.
• Submit Unusual Activity Referrals (UAR) and report fraud trends to prevent recurrence.
• Balance and reconcile member accounts and general ledger outages related to claim adjustments.

Skills

Fraud & Disputes

Analytical thinking

Investigative skills

Regulatory compliance

Effective communication

Education

High School Diploma or GED

Job description

Golden 1 Credit Union in Sacramento is seeking a Card Investigations Representative to handle card fraud and nonfraud disputes, protect member accounts, and support recovery efforts. The role emphasizes adherence to Visa and Mastercard rules, Regulation E/Z, and strong investigative skills.

You will review evidence, manage chargebacks, and liaise with members, merchants, processors, and law enforcement to resolve cases while maintaining regulatory compliance and delivering excellent member