Debit Card Dispute Specialist (Junior Level)

Overview

To review, process, and resolve debit card dispute claims. This role involves researching and processing chargebacks, arbitration, or compliance cases with other financial institutions through Visa/Mastercard. The position also supports escalated member inquiries and works directly with merchants and internal teams to resolve disputes. The specialist must remain alert to fraud risks, account security threats, and loss prevention concerns. Work is performed under direct supervision.

Key Responsibilities

• Review, process, and resolve routine debit card dispute cases by applying federal regulations, Visa/network rules, and internal policies
• Research moderately complex adjustments and compile documentation from financial institutions, processors, and acquirers to support case development
• Request additional information and documentation to clarify or resolve disputes within required timelines
• Make decisions and recommendations within defined monetary limits
• Track and monitor arbitration and compliance cases to minimize financial loss
• Execute general ledger entries related to dispute cases and balances
• Use internal systems and external tools (Visa databases, case management systems, communication tools) to research and resolve cases
• Identify transactions eligible for chargebacks and manage provisional credit adjustments
• Analyze member claims, transactions, and supporting documentation to determine appropriate resolution
• Review account history and transaction activity to support dispute decisions
• Investigate routine account issues and respond to actions from other financial institutions (e.g., chargebacks, pre-arbitration cases)
• Maintain accurate documentation, scan and log case activity, and track progress
• Resolve disputes related to PIN-based debit card transactions and more complex chargeback scenarios
• Communicate with members, vendors, and financial institutions as needed
• Stay informed on industry trends, regulatory changes, and fraud risks
• Follow regulatory guidelines and consumer protection requirements
• Assist with training and mentoring entry-level team members
• Perform additional duties as assigned

Required Qualifications

• Familiarity with debit card disputes, chargeback processes, or related financial transaction work
• Exposure to accounting, auditing, research, or financial processing environments
• Ability to analyze information, identify patterns, and make logical decisions
• Experience handling financial transactions or working in a processing environment
• Basic understanding of compliance and regulatory requirements
• Ability to manage multiple tasks in a fast-paced, high-volume environment
• Strong customer service and communication skills
• Ability to interpret and apply policies, procedures, and regulations
• Comfortable navigating multiple systems and adapting to new tools
• Strong attention to detail, organization, and time management
• Basic analytical and problem-solving skills

Preferred Qualifications

• Experience in banking, credit unions, or financial services
• Familiarity with dispute management systems or case management tools
• Experience with compliance, fraud, or risk-related work
• Basic database or reporting tool experience

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