Debit Card Disputes Analyst

SECU; Raleigh (NC); Hybrid; USD 42,000 - 60,000; Full time

Job summary

SECU seeks a Debit Card Dispute Analyst to support members by processing non-fraud disputes across multiple applications. The role emphasizes accuracy, critical thinking, and timely responses in a hybrid work environment.

You will review claims, retrieve documentation, analyze cases involving various products, and resolve liability after a diligent investigation while adhering to Visa/Mastercard and U.S. regulations.

Qualifications

• High school diploma or equivalent required; bachelor’s degree preferred.
• 2 years of experience in debit card operations, disputes, fraud, or financial services operations required.

Responsibilities

• Validate accuracy of claim classification and retrieve documentation as needed.
• Resolve routine and moderately complex disputes; process reversals of provisional credit and mitigate losses.
• Analyze incidents requiring multiple product knowledge or account types.
• Resolve cardholder liability based on investigation results.
• Manage the dispute process in compliance with Visa/Mastercard, and federal/state regulations.
• Review and respond to cardholder inquiries regarding claim status.

Skills

Debit card operations experience

Education

High school diploma or equivalent

Bachelor's degree

Job description

If you are motivated and believe in the credit union philosophy of “People Helping People,” join our team!

JOB DESCRIPTION:

The Debit Card Dispute Analyst will provide support to members by processing non-fraud disputes within various applications.

ESSENTIAL RESPONSIBILITIES:

• 25% - Claim Accuracy
  • Validates accuracy of claim classification to determine the course of action needed to resolve the claim and retrieves additional documentation as needed.
• 20% - Critical Thinking
  • Resolves routine and moderately complex member disputes and processes reversals of provisional credit to member accounts as needed. Pays close attention to mitigate financial losses, reviews merchant responses, and recovers funds on behalf of members.
• 15% - Analytics
  • Analyzes incidents or cases that require knowledge of multiple products or account types.
• 15% - Resolution
  • Resolves cardholder liability based on the results of a reasonable investigation.
• 15% - Daily Operations
  • Manages all aspects of the dispute process in compliance with Visa/Mastercard, federal and state rules and regulations.
• 10% - Communication
  • Reviews and responds to cardholder inquiries relating to the status of existing claims.

PREFERRED EDUCATION:

• High school diploma or equivalent required; bachelor’s degree preferred.

PREFERRED EXPERIENCE:

• 2 years of experience in debit card operations, disputes, fraud, or financial services operations required.

JOB ENVIRONMENT & PHYSICAL REQUIREMENTS:

• Hybrid position; office settings have physical proximity to other employees.
• Some background noise from other employees, copy machines, and telephones.
• Job requires a substantial amount of sitting.
• Use hands and fingers to press keys on a computer keyboard to enter or retrieve information.
• Answer and operate a telephone. Office setting with physical proximity to other employees. Background noise from otheremployees, copy machine, and telephone. Hybrid work schedule.

SECU provides equal employment opportunity to all qualified persons regardless of race, color, religion, age, sex, sexual orientation, gender identity, national origin, genetic information, disability, veteran status, or other classification protected by law.

Disclaimer

State Employees’ Credit Union reserves the right to fill this role at a higher/lower level based on business need.