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About the Role

The Fraud Disputes Analyst is responsible for analyzing card transactions to identify and prevent potential fraudulent activity. This position supports card fraud investigations, provides recommendations to strengthen fraud detection rules and strategies, and serves as the primary point of contact for members throughout the fraud dispute process.

Responsibilities

• Process member-initiated fraud disputes and claims in accordance with Regulation E, card network rules, and internal policies and procedures.
• Analyze card, ACH and Zelle transaction activity to detect and identify potentially fraudulent or unauthorized activity.
• Support payments fraud investigations by researching account and transaction history, utilizing the Credit Union’s system software, reports, and databases, to determine if activity is consistent with the member’s typical usage patterns.
• Determine whether disputed transactions were authorized or unauthorized based on investigation findings.
• Serve as the primary point of contact for members throughout the fraud dispute and claims process.
• Provide recommendations to support and refine fraud detection rules and strategies based on emerging trends and investigation outcomes.
• Document investigation findings, decisions, and supporting rationale within the case management system.
• Communicate professionally and empathetically with members who have experienced fraud, providing clear updates on dispute status and resolution.
• Collaborate with internal departments, card networks, and processors to gather information needed to resolve disputes.
• Stay current on emerging fraud trends, scams, and typologies affecting card transactions.
• Assume additional fraud risk management related responsibilities and special projects as assigned.
• Adhere to standard BSA/AML policies, procedures, and processes.
• Demonstrate awareness of business functions and how business decisions affect financial and/or non-financial work results.

Requirements

• High school diploma or equivalent required.
• Minimum of 1 year of related experience in the Financial Services industry.
• Excellent written and verbal communication skills.
• Ability to work both independently and with team members across lines of business.
• Familiar with banking laws and regulations, specially around disputes and fraud operations.
• Thorough knowledge of Bank Secrecy Act, USA Patriot Act, etc.

Skills

• Fraud detection
• Fraud investigation
• Member communication
• Transaction analysis
• Case management
• Collaboration

Location

• Hybrid

Work Type

• Hybrid
• Full-time

Experience Level

• 1+ year experience

Education Level

• High school diploma or equivalent

Salary/Compensations

• $26.78 - $33.47 per hour
• Eligible for annual corporate bonus

Benefits

• 401K with 6% match
• Paid Time Off
• Wellness Time
• Paid Federal holidays
• Opportunities for professional development and career growth
• Mentorship from the executive team

About the Company

• USALLIANCE prides itself on innovation, teamwork, training and development and career planning.
• We are a unique members-first Credit Union Culture driven by our core Values: Trust, Collaboration, Achievement and Making a Difference.
• As part of our team, you will have the opportunity to grow both personally and professionally in an inclusive and supportive environment.
• Represent USALLIANCE in the community and form lasting relationships with our members and partners.

Equal Opportunity

• USALLIANCE Federal Credit Union, as an Equal Opportunity Employer, values and supports the diverse cultures, perspectives, skills, and experiences within our workforce.
• USAlliance Federal Credit Union will not sponsor a new applicant for employment authorization or offer any immigration related support for this position.
• It is unlawful for USAlliance to require or administer a lie detector test as a condition of employment or continued employment.