Card Services Representative

Wollborg Michelson Recruiting; Sacramento (CA); On-site; USD 52,000 - 72,000; Full time

Job summary

Wollborg Michelson Recruiting seeks a Card Investigation Representative to assess and resolve card fraud and dispute cases across debit, credit, ATM, and electronic payments. You will gather evidence, prepare documentation, and coordinate with members, merchants, processors, and authorities while ensuring regulatory compliance.

Responsibilities include handling high-volume cases, initiating preventive actions, and maintaining detailed case notes.

Qualifications

• High school diploma or GED required.
• Experience in fraud investigations, disputes, or payments preferred.
• Strong communication and documentation skills essential.

Responsibilities

• Investigate and resolve card fraud and nonfraud dispute claims.
• Research evidence and prepare documentation to support claims and recovery.
• Coordinate with members, merchants, processors, and law enforcement as needed.
• Perform chargebacks and maintain accurate case notes and documentation.
• Balance and reconcile accounts related to claims and adjustments.

Skills

Fraud detection and investigation

Dispute processing

Analytical problem-solving

Written and verbal communication

Account reconciliation

Regulatory compliance knowledge

Time management

Customer service excellence

Education

High School Diploma or GED

Tools

Microsoft Office

Case management systems

Job description

Card Investigation RepresentativeJob SummaryInvestigate and resolve fraudulent transactions and card-related disputes across debit cards, credit cards, ATMs, and electronic payments. Review high-volume cases, identify suspicious activity, initiate preventive actions, support recovery efforts, document investigations, and communicate with members and merchants while maintaining regulatory and procedural compliance.ResponsibilitiesInvestigate, respond to, and resolve card fraud and nonfraud dispute claims.Research evidence and prepare documentation to support fraud claims, disputes, and recovery efforts.Communicate with members, merchants, payment processors, law enforcement, and internal teams regarding investigations and claim decisions.Resolve member and branch concerns promptly and escalate issues that may affect organizational assets or member satisfaction.Share information about suspected fraud with business units and investigating authorities.Collect, evaluate, and document evidence in accordance with applicable payment network rules and regulations.Perform chargebacks and process exception, acceptance, and rebuttal queues accurately and within required deadlines.Initiate preventive actions, including stop payments, account restrictions, and card replacement.Submit unusual activity referrals and report emerging fraud trends to fraud prevention and analytics teams.Process provisional credits and account adjustments in accordance with applicable consumer protection requirements.Maintain complete case notes, call records, supporting documents, and claim system updates.Balance and reconcile member accounts and general ledger discrepancies related to claim adjustments.Follow internal audit, security, compliance, anti-money laundering, and departmental procedures.RequirementsHigh school diploma or GED required.At least two years of relevant experience required.Knowledge of financial products, services, policies, procedures, card regulations, and applicable federal and state requirements.Ability to communicate effectively with members, merchants, processors, and internal teams while meeting required deadlines.Strong organizational skills with the ability to prioritize tasks and manage multiple assignments.High attention to detail when reviewing and investigating cases.Basic proficiency with Microsoft Office and case management systems.Ability to resolve accounting discrepancies and reconcile accounts.Ability to work independently and collaboratively in a fast-paced environment.SkillFraud detection and investigationDispute processing and chargeback recoveryAnalytical and problem-solving skillsWritten and verbal communicationAccount reconciliation and documentationRegulatory and compliance knowledgeTime management and multitaskingMember service and conflict resolutionSummary QualificationDetail-oriented and member-focused professional with experience investigating fraud and resolving payment disputes.Demonstrated ability to protect accounts, support recovery efforts, and make accurate decisions under pressure.Strong understanding of payment network procedures, consumer protection requirements, and fraud prevention practices.Reliable, self-motivated, and capable of managing sensitive investigations while maintaining confidentiality and compliance.Wollborg Michelson Recruiting is an Equal Opportunity Employer and prohibits discrimination of any kind. We ensure job offers are made based of one s employment experience, skills, and qualifications, regardless of race, gender, ethnic origin, or any other classification protected by law. All applicants must furnish proper identification to prove their legal right to work in the US upon a job offer. We participate in E-Verify to confirm one s right to work in the US. Wollborg Michelson Recruiting does not provide sponsorship for an employment-based visa status.