Operations Associate

What you’ll do:

Primarily investigate disputes for card and ACH, according to Reg E, MasterCard and debit network rules.
Resolve disputes according to all applicable rules and within regulatory timeframes.
Manage the end-to-end chargeback lifecycle, leveraging deep knowledge of Mastercard network rules to minimize financial loss.
Review and decision of all remote deposit capture checks, returns and adjustments according to procedure.
Investigate and analyze suspicious account activity, high risk transactional patterns and customer demographics to identify and mitigate fraudulent activity.
Synthesize complex data to deliver well-reasoned fraud and dispute determinations, documenting findings in clear, concise, and well written investigative summaries.
Contribute to a team environment focused on collaboration, continuous improvement and effective risk management.
Use new technology including AI for ways to improve processes and ensure accurate decisions.

What we’re looking for:

A proactive team player who actively contributes to a culture of risk management, knowledge sharing, and process improvement.
3-5 years’ experience in mobile deposit capture processing, debit card and ACH dispute investigations and resolutions.
Expertise with consumer payment rules and regulations, including Reg E, Nacha, card and network rules.
Proven experience resolving transaction disputes and conducting Chargeback lifecycle management according to Reg E, MasterCard and debit network rules.
A track record of meeting strict regulatory deadlines and network timeframes without sacrificing quality or accuracy.
Strong understanding of risk and controls, paired with the ability to analyze complex transaction histories, behavioral patterns, and customer demographics to detect anomalous or fraudulent activity.
The ability to look at incomplete or conflicting information and synthesize it into clear, logical, and accurate determinations. Experience with AI tools recommended.
Detail-oriented and highly organized with excellent grammar, capable of writing objective, audit-ready investigative summaries while effectively prioritizing tasks in a fast-paced environment.