Fraud/Dispute Specialist Jr

Ent Credit Union exists to improve the financial quality of life of the people we serve. This mission drives us every day, but we are more than our mission. We're also individuals using our unique abilities to make our organization, and the communities we serve, better than they were yesterday. We're a not-for-profit that puts people above profits and actively invests in our community. Our rapidly growing team is expanding our reach to serve more people throughout Colorado. To spread our mission far and wide, we need people like you. If you're interested in a paycheck with a purpose, apply with us today. Our people make the difference, and we truly believe you are our greatest asset.

The Fraud/Dispute Specialist Jr. works directly within Visa DPS, they are responsible for ensuring cases have a chargeback right and keying disputes for chargeback, reporting all fraudulent transactions and managing case flows. The Fraud/Dispute Specialist Jr. works with members to gather additional responses and any documentation after merchants provide a denial. The Fraud/Dispute Specialist works with the Card Fraud Investigators on various issues. They are also responsible for various reports and working with robotics process automation bots that assist in tasks. Due to the nature of this position, the highest level of confidentiality must be always maintained.

Essential Functions

• Daily Fraud Dispute Processing: Member Service gathering all details pertaining to chargebacks. Keying chargebacks and selecting chargeback rights. Determining the correct category to determine chargeback right. Preparing and sending compelling evidence to support the cardholder's claims. Staying current and up to date with Visa Regulations including. Compliance with Regulation E. Working queues in Visa Resolve Online to ensure necessary documentation is being provided on cases, following up with merchant requests. Centrix queue processing - Using Regulation E Software to handle Card disputes/fraud queues. Maintain queues within Visa DPS. Working through administrative tasks. Monitoring for messages in Online Banking.
• Bank Secrecy Act: Remains cognizant of and adheres to Ent policies and procedures, and regulations pertaining to the Bank Secrecy Act.

Minimum Formal Qualifications for this Position

• High School Diploma/G.E.D. or Equivalent.
• 2+ years' of combined experience with a financial institution, customer service, fraud management, auditing, performing fraud investigations, and/or related experience.

Each year of relevant work experience may be exchanged for a year in a relevant degree program or vice versa. For example, a requirement of a bachelor's degree in accounting and 2+ years of account experience could be substituted for a high school diploma and 6 years of relevant accounting work experience or a master's degree in accounting and 0 years of work experience.

Technical or Specialized Knowledge/Skills:

• Basic knowledge of depository processes and procedures.
• Demonstrate excellent problem-solving ability and consistent, logical, and effective decision-making based on fact.
• Basic product knowledge (ATM, Debit, Checking & Savings).
• Good interpersonal communication skills to include: professional verbal and written communications that may be used in determining if a case can be charged back or not.
• Strong time management skills with the ability to manage multiple and diverse ongoing projects.
• Ability to work with various personality types to differentiate between victim(s) and suspect(s).
• Ability to work with all levels of the organization and match communication styles to the audience being presented to.
• Ability to develop and cultivate as a liaison with other financial institutions and law enforcement.

Certifications Required:

• None

Environmental, Physical and Psychological Requirements

• Standing - Occasionally
• Walking - Occasionally
• Sitting - Frequently
• Lifting - Rarely (40 Lbs)
• Carrying - Rarely
• Pushing - Rarely
• Pulling - Rarely
• Balancing - Rarely
• Stooping - Rarely
• Kneeling - Rarely
• Crouching - Rarely
• Crawling - Rarely
• Reaching - Occasionally
• Handling - Occasionally
• Grasping - Occasionally
• Feeling - Occasionally
• Talking - Frequently
• Hearing - Frequently
• Repetitive Motions - Frequently
• Eye/Hand/Foot Coordination - Occasionally
• Noises louder than normal speaking volume - Occasionally
• Temperature Changes - Rarely
• Atmospheric Conditions - Rarely

The pay range for this position is: $20 to $25 per Hour (S12)

Final compensation for this position will be determined by various factors such as relevant work experience, specific skills and competencies, education, certifications, and internal pay equity.

This position is eligible for our corporate bonus program based on company performance.

Benefits Summary Sheet

At Ent Credit Union, we offer a comprehensive benefits package, including:

• Health Benefits: Affordable insurance, 24/7 doctor access, and a nationwide provider network.
• 401(k): 3% automatic contribution after six months, plus up to 6% matching.
• Paid Time Off: During your first year, enjoy 16 days of paid time off (PTO) plus 9 paid holidays. And it grows from there.
• Volunteer Time Off: Paid time off to give back to the community.
• Education Support: Up to $10,000 annually for higher education and assistance for certifications.
• Exclusive Discounts: Significant savings on home, car, and personal loans.
  
  For more information about our outstanding benefits please visit our careers page at www.ent.com/careers.
  
  We anticipate this position to close on 02/17/2025. Please submit your application at your earliest convenience to be considered.
  
  Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
  
  The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)