Debit Card Disputes & Fraud Analyst

Seacoast Bank Careers; The Villages (FL); On-site; USD 45,000 - 65,000; Full time

Job summary

Seacoast Bank in Florida is seeking an EFT Payment Disputes Specialist to support the EFT Payment Disputes Team Lead. The role focuses on researching EFT transactions, handling debit card disputes, and ensuring adherence to Regulation E, NACHA rules, and internal policies.

You will work with frontline staff, assist in fraud detection, monitor SLAs, document case files for audits, and participate in process improvements to enhance efficiency and customer satisfaction.

Qualifications

• High School Diploma or equivalent.
• 1-3 years Banking experience; or a combination of education and experience.
• Prior experience in card services and fraud detection a plus.
• Ability to handle confidential information with discretion.
• Strong analytical skills and attention to detail.
• Ability to work collaboratively within a team environment.
• Commitment to maintaining compliance and operational standards.

Responsibilities

• Manage debit card dispute cases by researching and analyzing EFT transactions, ensuring resolution within regulatory timelines (Regulation E, NACHA rules, and internal policies).
• Communicate effectively with frontline associates, providing timely updates and gathering required documentation to support dispute investigations and ensure a positive customer experience.
• Handle cardholder inquiries and disputes submitted via e-forms or workflow systems, delivering accurate and professional responses.
• Maintain expertise in EFT dispute processing systems and regulatory compliance requirements to ensure accurate and efficient case handling.
• Monitor performance against SLAs and assist in maintaining system uptime for debit card services.
• Reconcile daily debit card transactions across bank networks and surcharge systems to ensure accuracy and integrity.
• Collaborate with Compliance, Risk Management, and Community Banking teams to mitigate fraud and security risks.
• Identify and elevate patterns of fraudulent activity to fraud prevention teams for timely intervention, utilizing dispute processing tools and data analytics to identify trends and improve resolution accuracy.
• Stay informed on emerging fraud trends and work with internal teams and external partners to implement effective prevention strategies.
• Ensure meticulous documentation for audits and regulatory reporting, maintaining adherence to all applicable standards.
• Contribute to process improvement and automation initiatives aimed at enhancing efficiency, compliance, and customer satisfaction.
• Uphold Seacoast Bank's Code of Conduct and deliver exceptional service aligned with organizational values.

Skills

Analytical skills

Attention to detail

Team collaboration

Regulatory compliance

MS Word / MS Excel

Education

High School Diploma

Tools

MS Word

MS Excel

Job description

Seacoast Bank in Florida is seeking an EFT Payment Disputes Specialist to support the EFT Payment Disputes Team Lead. The role focuses on researching EFT transactions, handling debit card disputes, and ensuring adherence to Regulation E, NACHA rules, and internal policies.

You will work with frontline staff, assist in fraud detection, monitor SLAs, document case files for audits, and participate in process improvements to enhance efficiency and customer satisfaction.