Card Investigations Representative
Remote
USD 20-22 / hour
Card Investigations Representative
Location: Remote – California
Job Type: Contract, 6+ months
Schedule: Monday–Friday, 8:00 AM–5:00 PM
Openings: 5
Pay: $20-22/hour
About the Role
We are seeking a detail-oriented Card Investigations Representative to join a financial services fraud and disputes team. This is a fully remote opportunity for candidates located in California.
In this role, you will research member account activity, process fraud and non-fraud card claims, review transaction information, and help resolve disputes involving debit cards, credit cards, ATMs, and Zelle. The position is ideal for someone with banking, credit union, financial services, or high-volume transaction processing experience who is comfortable working with detailed information and meeting deadlines.
Direct fraud experience is helpful but not required.
Responsibilities
- Research and review member account activity related to card transactions and payment disputes.
- Process fraud and non-fraud claims accurately and within required timeframes.
- Review documentation and transaction information to support claim decisions and recovery efforts.
- Process chargebacks and dispute adjustments according to applicable network requirements.
- Document investigation findings, claim activity, and supporting information in internal systems.
- Process provisional credits and account adjustments in accordance with applicable requirements.
- Identify potentially suspicious activity and escalate concerns when appropriate.
- Initiate appropriate preventative actions, including card restrictions, stop payments, and card replacement.
- Communicate professionally with members, merchants, processors, and internal teams.
- Research and respond to merchant rebuttals and exception or acceptance queues.
- Reconcile account adjustments and resolve discrepancies when needed.
- Maintain accurate records while managing a high volume of cases in a fast-paced environment.
Qualifications
- High school diploma or GED required.
- 2+ years of relevant professional experience.
- Banking, credit union, financial services, or payment processing experience preferred.
- Strong data entry and computer skills.
- Experience working with account information, claims, disputes, transactions, or customer/member records.
- Strong attention to detail and accuracy.
- Excellent written and verbal communication skills.
- Ability to manage multiple priorities and meet deadlines.
- Comfortable working independently in a fully remote environment.
- Basic proficiency with Microsoft Office applications.
- Experience with debit cards, credit cards, chargebacks, fraud, disputes, or transaction investigations is a plus.
What You'll Do
You will play an important role in protecting customer accounts and helping resolve card-related claims. Success in this position requires strong attention to detail, sound judgment, organization, and the ability to process a high volume of work accurately and efficiently.
Candidates with backgrounds in banking operations, card services, disputes, claims processing, member services, transaction processing, or financial services operations are encouraged to apply.
This is a fully remote position available to candidates located in California.