Debit Card Disputes Specialist

System One, Inc.; Pensacola (FL); Hybrid; USD 42,000 - 65,000; Part time

Job summary

System One, Inc. is seeking a Debit Card Disputes Specialist in Pensacola, FL. This hybrid role combines onsite and remote work with a standard 40-hour work week and long-term contract arrangements.

The specialist will handle PIN-based disputes, review transactions, and coordinate with financial institutions to resolve claims. The position emphasizes regulatory compliance, detailed documentation, and cross-functional collaboration with card networks and issuers.

Qualifications

• Familiarity with day-to-day PIN-based dispute regulations and systems.
• Experience in financial transaction processing.
• Analytical reasoning and problem-solving skills.
• Ability to manage multiple tasks in a high-volume environment.
• Knowledge of regulatory guidelines and consumer protection requirements.

Responsibilities

• Review and resolve routine debit card dispute cases per regulations.
• Research adjustments and prepare documentation for cases.
• Request information to clarify details within mandated timeframes.
• Make decisions within authorized monetary limits.
• Document case progression and maintain records.
• Perform general ledger entries related to monthly balances.

Skills

PIN-based disputes

Dispute research

Regulatory knowledge

Data analysis

Customer service

Multitasking

Tools

Dispute case systems

Visa databases

RDR/Issuer systems

Job description

Job Title: Debit Card Disputes Specialist
Location: Pensacola, FL
Type: Long Term Contract
Compensation: W-2 with PTO, Holidays
Work Model: Hybrid – onsite and remote
Hours: 40 hours a week

Responsibilities

• Review, process and resolve routine Debit Card dispute cases by applying Federal/Visa/Regional network regulations and the organization's policies and procedures
• Research moderately complex adjustments and complete documentation from financial institutions, processors, and acquirers to construct cases to be filed against these organizations
• Request information and documentation to clarify details or resolve routine dispute cases within mandated time frames and regulations
• Make decisions and recommendations within authorized monetary limits
• Document, track, monitor arbitration and compliance in routine cases for progress to prevent or minimize financial loss to members and/or the organization
• Execute general ledger entries for each case for project balances at the end of each month
• Research and complete assigned cases by reviewing Dispute Case Management Systems, Visa databases, Client, Acquirer and Issuer systems, RDR, Visa Online, On-Demand and Online Communication tools
• Identify transactions where chargebacks can be applied and resolve provisional credit adjustments
• Research, review, and provide basic analysis of member claims, related transactions, circumstances and actions surrounding the claim and determine corrective action to resolve corrections
• Review moderately complex dispute cases and research account history/card activity to credit back invalid charges to member accounts or to chargeback financial institutions, processors and acquirers
• Complete basic routine account investigations and respond to actions generated by other financial institutions such as good faith collections, pre-arbitration/pre-compliance cases, chargebacks and representments
• Scan chargeback documentation into system, record account actions and case development
• Resolve routine claims for PIN-based debit card cash and purchase transactions and complex dispute and chargeback issues
• Initiate and/or respond to communication with members, vendors and other financial institutions
• Stay informed of business environment, financial services, regulatory business conditions and newest developments and incorporate these into operations
• Manage and adhere to Regulatory Guidelines and Consumer Protection requirements
• Provide guidance and assist in training new Level I specialists
• Perform other duties as assigned

Requirements

• Familiarity with day-to-day PIN-based dispute or signature-based chargeback regulations, processes, procedures, and systems
• Exposure to accounting, research or auditing techniques and methods in a financial institution
• Experience in assimilating information, analyzing facts, and developing logical conclusions
• Experience in financial transaction/processing responsibilities
• Exposure to internal auditing, compliance, programming or modeling
• Working knowledge of compliance and regulations related to debit card disputes
• Ability to handle multiple tasks simultaneously with a high degree of accuracy
• Experience working in a high-volume, fast-paced environment
• Effective member/customer service skills
• Effective skill following interpretations in applying relevant regulations/instructions, procedures, policies and regulations
• Effective skill navigating multiple screens and PC applications and adapting to new technologies
• Effective skill exercising initiative and using sound judgment to make decisions
• Effective skill interacting tactfully and effectively in difficult situations
• Basic database and presentation software skills
• Effective organizational, planning and time management skills
• Basic research, analytical and problem-solving skills

System One, and its subsidiaries including Mountain Ltd., are leaders in delivering outsourced services and workforce solutions across North America. We help clients get work done more efficiently and economically, without compromising quality. System One not only serves as a valued partner for our clients, but we offer eligible employees health and welfare benefits coverage options including medical, dental, vision, spending accounts, life insurance, voluntary plans, as well as participation in a 401(k) plan.

System One is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, age, national origin, disability, family care or medical leave status, genetic information, veteran status, marital status, or any other characteristic protected by applicable federal, state, or local law.