Debit Card Disputes Analyst

State Employees' Credit Union; United States; Hybrid; USD 42,000 - 64,000; Full time

Job summary

State Employees' Credit Union is seeking a Debit Card Dispute Analyst to support members by processing non-fraud disputes within various applications. The role emphasizes accuracy, investigation, and timely resolution in a collaborative, compliant environment.

Hybrid position focusing on dispute analysis, applying industry rules, and clear member communication. Preferred education includes a high school diploma (bachelor's preferred) and about 2 years in debit card operations or disputes.

Qualifications

• Basic knowledge of debit card disputes and processes.
• Strong attention to detail and accuracy in handling claims.
• Ability to analyze and interpret multiple product/account types.
• Excellent written and verbal communication with customers.
• Familiarity with industry regulations and security practices.
• Experience in financial services or card operations is a plus.

Responsibilities

• Validate classification accuracy and gather documentation.
• Resolve routine to moderately complex disputes and reverse provisional credits.
• Analyze incidents requiring knowledge of multiple products or accounts.
• Determine cardholder liability after a fair investigation.
• Run the dispute process in compliance with Visa/Mastercard and laws.
• Communicate claim status to cardholders.

Skills

Dispute operations

Debit card disputes

Education

High school diploma

Bachelor's degree preferred

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 other employees, 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.

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