Dispute Analyst I

Sccu; Melbourne, Northern (FL, KY); Hybrid; USD 46,000 - 49,000; Full time

Benefits offered by this job

Health & Wellness insurance

401(k) match and life insurance

Tuition reimbursement after one year

Generous PTO and holidays

Employee discounts on SCCU products

Job summary

Space Coast Credit Union (SCCU) seeks a Dispute Analyst I in Melbourne, FL to handle end-to-end review, processing, and resolution of fraud and merchant disputes across debit and credit card portfolios. You will respond to member inquiries, identify fraudulent activity, and ensure timely claim processing in line with Visa rules.

The role requires 1–3 years in card services, basic MS Office skills, and a strong understanding of dispute resolution guidelines.

Qualifications

• 1 to 3 years of prior experience in credit and debit card services or a similar field.
• Basic proficiency with Microsoft Office.
• Proficient understanding of Visa Operating Rules and Visa Claims Resolution guidelines.
• Fraud disputes and/or merchant disputes processing preferred.

Responsibilities

• Reviews, processes, and decisions debit and credit card fraud and merchant disputes, including ATM transactions, submitted to the Card Services department through various workflows; ranging from novice to intermediate complexity levels.
• Collaborates with Dispute Analyst II and/or leadership to discuss challenged claims via representment to review any new evidence to assess its validity and resolve the claim or counterchallenge the presentment through Visa’s pre-arbitration, pre-compliance, arbitration, or compliance process.
• Articulates and disseminates processing requirements for the various fraud dispute and merchant dispute types, reasons, categories, and documentation needed to effectively and correctly process claims timely in accordance with Visa Operating Rules and Visa Claims Resolution guidelines.
• Maintains complete knowledge of Visa chargeback and compliance rules along with Reg E, Reg Z and other card networks used by SCCU.
• Contacts cardholders who have submitted disputes when necessary to ensure all necessary steps have been taken to proceed with a dispute.
• Collects supporting documentation to assist team members to complete non-fraud disputes without additional member follow-up and reviews supporting documentation accordingly.

Skills

Microsoft Office

Fraud dispute processing

Customer communication

Job description

BAYTREE HEADQUARTERS
8045 North Wickham Road
Melbourne, FL 32940, USA

Description

AtSpace Coast Credit Union (SCCU), our members are at the heart of everything we do. Since 1951, we've been committed to delivering financial services founded on integrity and a people-first philosophy.

As the Dispute Analyst I at our Melbourne Headquarters, you will assist in the end-to-end review, processing, and resolution of fraud and merchant disputes across Space Coast Credit Union's debit and credit card portfolios. Primary duties include responding to member inquiries, identifying and preventing fraudulent activity, interpreting and applying dispute resolution regulations and guidelines, reviewing documentation, processing reports, reconciling accounts, and executing other vital tasks that contribute to the efficiency and success of our card programs.

Why Join SCCU?

• Member-Focused Mission: Be part of a not-for-profit organization that reinvests in its members.
• Hybrid & Flexible Schedule Options
• Career Growth: We prioritize internal promotions and offer on-the-job training.

Dispute Analyst I Key Responsibilities

• Reviews, processes, and decisions debit and credit card fraud and merchant disputes, including ATM transactions, submitted to the Card Services department through various workflows; ranging from novice to intermediate complexity levels.
• Collaborates with Dispute Analyst II and/or leadership to discuss challenged claims via representment to review any new evidence to assess its validity and resolve the claim or counterchallenge the presentment through Visa’s pre-arbitration, pre-compliance, arbitration, or compliance process.
• Articulates and disseminates processing requirements for the various fraud dispute and merchant dispute types, reasons, categories, and documentation needed to effectively and correctly process claims timely in accordance with Visa Operating Rules and Visa Claims Resolution guidelines.
• Maintains complete knowledge of Visa chargeback and compliance rules along with Reg E, Reg Z and other card networks used by SCCU.
• Contacts cardholders who have submitted disputes when necessary to ensure all necessary steps have been taken to proceed with a dispute.
• Collects supporting documentation to assist team members to complete non-fraud disputes without additional member follow- up and reviews supporting documentation accordingly.

Dispute Analyst I Requirements

• 1 to 3 years of prior experience in credit and debit card services or a similar field required.
• Basic proficiency with Microsoft Office.
• Fraud disputes and/or merchant disputes processing preferred.
• Completion of Visa’s Introduction to Dispute Resolution or equivalent preferred.
• Proficient understanding of Visa Operating Rules and Visa Claims Resolution guidelines required.

Dispute Analyst I Compensation

• Starting Salary: $22.17 - $23.48/hour or $46,130 - $48,847/year
• Bonus Opportunity: Eligible for ONE SCCU Annual Bonus.

Work Schedule

• Monday - Friday: 10:00 a.m. - 7:00 p.m.
• Rotating Saturdays: 9:00 a.m. - 3:00 p.m.

SCCU Benefits

• Health & Wellness: Medical, dental, and vision insurance, plus an Employee Assistance Program.
• Financial Perks: 401(k) match (5%), HSA match, and SCCU-paid insurance (short/long-term disability, life insurance).
• Education Support: Tuition reimbursement after one year of service.
• Generous Time Off: 20+ days of PTO, birthday PTO, and 11 federal holidays.
• Exclusive Discounts: Lower rates on loans, credit cards, and no fee SCCU accounts!

About SCCU

Since 1951, Space Coast Credit Union (SCCU) has proudly served our community, growing to over 685,000 members and managing $9 billion in assets. With 67 branches spanning Florida’s east coast, we are the third-largest credit union in the state. In 2025, we expanded into Orange County to better serve the growing East Orlando market.

As a not-for-profit financial institution, SCCU is dedicated to putting our members first. Unlike traditional banks, we return profits to our members through better rates, lower fees, and enhanced services. While we offer the same financial products - like checking, savings, and loans - our focus remains on empowering our members and supporting their financial well-being. With local decision-making and a commitment to exceptional service, we strive to make a meaningful difference in the lives of those we serve.

At SCCU, we also prioritize our team members by fostering a supportive and collaborative environment that encourages career growth and development. As we continue to grow, we are seeking talented, member-focused professionals to join our team and help deliver innovative financial solutions and outstanding service.

I UNDERSTAND this application a legal document for purposes of your employment. Upon acceptance of an offer with SCCU, I UNDERSTAND that I will be required to complete background, employment verifications, and drug screening. I UNDERSTAND further that any misstatements or omissions in this application and pre-employment process can be considered falsification and will result in a decision not to hire me, or to discharge me if discovered after I am hired. I UNDERSTAND that the information requested regarding date of birth, race and sex is for the sole purpose of gathering the above information accurately, and will not be used to discriminate against me in violation of any law. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification document form upon hired.

SCCU is a drug-free workplace. I understand that as a condition of my employment, I will be required to submit to any testing for the presence of drugs, and to submit to any procedure to assess my qualifications for employment. If hired, I ALSO AGREE that if I am hired, my employment is for no definite time and may be terminated at any time without prior notice.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.