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Card Investigations Technician

Sacramento, CA 95826

Employment Type: Contract Job Number: 9020516 Pay Rate: Pay Rate: $20.00 - $21.00 per hour

Job Description


CARD INVESTIGATIONS TECHNICIAN



Job Summary


Research and evaluate member card activity using manual and automated processes to detect, investigate, and resolve fraudulent or high-risk debit and credit card transactions. Monitor card products, ATMs, and online services, verify suspicious activity with members, and ensure timely and accurate fraud reporting and claim processing while maintaining a positive member experience.


Responsibilities


  • Operate and manage card fraud monitoring tools and processes while delivering clear, informative communication to members when verifying or reporting fraud.

  • Identify, investigate, and resolve all card fraud and dispute claims, including research and document review for claim submission.

  • Establish and maintain oral and written communication with card networks, merchants, processors, law enforcement, and members as needed.

  • Resolve member and internal department issues related to card fraud and disputes, including responding to calls and emails in a timely manner.

  • Provide relevant information from fraud investigations to internal business units and external investigating authorities.

  • Collect, evaluate, and document all evidence obtained during investigations to support recovery efforts.

  • Order retrievals and provide accurate documentation required for chargebacks in accordance with applicable card network rules.

  • Maintain a thorough understanding of applicable laws and regulations related to card services, fraud, and compliance, including bank secrecy and anti money laundering requirements.

  • Comply with all internal audit, security, and departmental procedures, and stay current with changes to card regulations and procedures.

  • Perform chargebacks using appropriate fraud or dispute codes as defined by card network regulations and updates.

  • Process reimbursements to member accounts as appropriate and provide required notifications in line with relevant regulations.

  • Update notes and information in all claims systems, maintaining accurate call records and adjustment information.

  • Perform additional related duties as necessary to support daily operations.



Requirements


  • High school diploma or equivalent.

  • Minimum of one year of experience in a financial institution or in a credit/debit card-related role.

  • Effective oral and written communication skills.

  • Ability to operate an online computer terminal and standard office equipment, including calculators, personal computers, fax machines, and telephones.

  • Ability to sit for extended periods with occasional mobility as needed.

  • Corrected vision and hearing within normal range, with reasonable accommodation if required.



Summary Qualification


  • Experience handling card fraud and dispute investigations in a financial or card services environment.

  • Knowledge of card products, fraud processes, and applicable regulations.

  • Proven ability to manage multiple tasks, prioritize work, and meet deadlines.

  • Strong attention to detail and accuracy in documentation and investigation activities.

  • Ability to work both independently and collaboratively within a team setting.



Skill


  • Knowledge of card network regulations and applicable federal and state regulations related to debit and credit cards.

  • Ability to communicate investigation results effectively to members, merchants, and other stakeholders within required time frames.

  • Strong organizational and time-management skills.

  • Proficiency with basic Excel and general PC skills in a Windows environment.

  • Ability to use standard office and electronic banking equipment, including fax, 10-key, and related systems.

  • Self-motivated with the ability to work independently and as part of a team.



Wollborg Michelson Recruiting is an Equal Opportunity Employer and prohibits discrimination of any kind. We ensure job offers are made based of one s employment experience, skills, and qualifications, regardless of race, gender, ethnic origin, or any other classification protected by law. All applicants must furnish proper identification to prove their legal right to work in the US upon a job offer. We participate in E-Verify to confirm one s right to work in the US. Wollborg Michelson Recruiting does not provide sponsorship for an employment-based visa status.
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About Sacramento, CA

Ready to kickstart your career in the vibrant Sacramento, California area? This bustling region is not only the capital of the Golden State but also a hub of endless job opportunities and growth potential. From the stunning Tower Bridge crossing the scenic Sacramento River to the delectable farm-to-fork dining scene that's second to none, Sacramento has something for everyone. Catch a performance at the historic Crest Theatre, cheer on the Sacramento Kings at the Golden 1 Center, or discover local artists at the Crocker Art Museum. With the majestic Sierra Nevada mountains nearby and the beautiful parks like the McKinley Park to explore, Sacramento offers an enchanting blend of culture, creativity, and charm that will truly make your career journey unforgettable. Dive into our job listings today and set your sights on a rewarding career in this unforgettable region!