ATM and ACH Dispute Specialist / Senior ATM and ACH Dispute Specialist

ATM and ACH Dispute Specialist Hourly Range: $28.94 - $33.00 Hybrid opportunity requiring a local candidate to the greater Sacramento region. Role level and compensation are determined based on skill and experience. Position Purpose Responsible for investigating and resolving disputes related to debit and credit cards used at proprietary ATMs, ACH, and other transaction disputes. The position provides operational support for all acquirer activities while ensuring compliance with all applicable regulations and policies. Develops and maintains statistical reporting, researches and recommends new processes and system enhancements, ensures current systems function as expected, updates department records and procedures in alignment with established service standards and strategic objectives, and acts as operational support for other departments. Essential Functions and Basic Duties Analyze disputed ATM and ACH transactions by collecting information, exploring opportunities to identify recovery and mitigate losses, and documenting and resolving claims. Investigate and finalize incoming and outgoing Zelle disputes and ensure all Zelle network rules are followed. Obtain a thorough understanding of the processes, procedures, and regulatory requirements for each assigned function, identify potential system problems and opportunities for risk mitigation and loss reduction. Maintain accuracy and regulatory compliance in provisional credits, dispute resolution, and cardholder communications while adhering to required internal and external timeframes. Ensure all foreign ATM adjustments are compiled, sent, and managed. Report all problems, real or perceived, in relation to dispute processing of ATM, ACH, and Zelle transactions and offer recommendations to remedy or prevent similar problems. Track member experience concerns and recommend improvements. Ensure daily activities comply with Regulation E and Z, as well as Nacha rules. Ensure all electronic correspondence complies with the eSIGN Act requirements. Assist with department general ledger balancing and reconciliation with support from a senior specialist. Collaborate with department stakeholders to resolve outages. Monitor and respond to inquiries received from front‑line staff. Contact members by telephone, email, or mail as appropriate. Complete other duties as assigned. Qualifications Education and/or Experience: Associate’s degree (A.A.) or equivalent from a two‑year college or technical school; or equivalent combination of education and experience. Minimum of 2 years financial industry experience. Working knowledge of the following: Regulations governing ATM acquiring, debit and credit card processing including Regulation E and Z. Zelle network rules governing fraud and non‑fraud Zelle disputes. Nacha Rules governing unauthorized ACH disputes for both consumer and corporate accounts. Credit union products and services related to money movement and payment services. Current and trending fraud schemes. Network processing rules. Certification: Completion of the Visa Dispute Resolution I course; or completed within 6 months of time in role. Completion of the Wespay ACH Bootcamp course; or completed within 120 days of time in role. Required Knowledge: Expert knowledge of credit union products and services. ATM acquirer dispute resolution regulations. ATM Network mandates/regulations including CO‑OP, Visa, MasterCard, American Express, Pulse, Discover, Cirrus, and Plus. General ledger flow, balancing, and reconciliation. ATM hardware operations, functionality, connectivity, and basic programming concepts. EMV and tokenization. Durbin Amendment for network acquiring. Visa DPS acquiring regulations and operations. NCR hardware and software applications. Skills and Abilities: Proficiency using Microsoft Office Word Processing software. 10 key adding machine by touch. Strong analytical and problem‑solving skills. Strong project management skills. Effectively manage workload of multiple projects. Senior ATM and ACH Dispute Specialist Hourly Range: $33.00 - $41.23 Hybrid opportunity requiring a local candidate to the greater Sacramento region. Role level and compensation are determined based on skill and experience. Position Purpose Responsible for investigating and resolving disputes related to debit and credit cards used at proprietary ATMs and ACH transactions. The position provides operational support for all acquirer activities while ensuring compliance with all applicable regulations and policies. Develops and maintains statistical reporting, researches and recommends new processes and system enhancements, ensures current systems function as expected, updates department records and procedures in alignment with established service standards and strategic objectives, and acts as operational support for other departments. Essential Functions and Basic Duties Analyze disputed ATM and ACH transactions by collecting information, exploring opportunities to identify recovery and mitigate losses, and documenting and resolving claims. Obtain a thorough understanding of the processes, procedures, and regulatory requirements for each assigned function, identify possible system problems and opportunities for risk mitigation and loss reduction. Complete provisional credits and cardholder communications within required internal and regulatory timeframes. Ensure all foreign ATM adjustments are compiled, sent, and managed. Review and approve member correspondence for ATM & ACH transaction disputes to ensure accuracy. Report all problems, real or perceived, in relation to ATM and ACH dispute processing and offer recommendations to remedy or prevent similar problems. Track member experience concerns and recommend improvements. Ensure daily activities comply with Regulation E and Z, as well as Nacha rules. Ensure all electronic correspondence complies with eSIGN Act requirements. Perform all department general ledger balancing and reconciliation. Collaborate with department stakeholders to resolve outages. Monitor and respond to inquiries received from front‑line staff. Contact members by telephone, email, or mail as appropriate. Complete other duties as assigned. Qualifications Education and/or Experience: Associate’s degree (A.A.) or equivalent from a two‑year college or technical school; or five years related payments dispute operational experience and/or training; or equivalent combination of education and experience. Minimum of 5 years industry experience. Working knowledge of the following: Regulations governing ATM acquiring, debit and credit card processing including Regulation E and Z. Nacha Rules governing unauthorized ACH disputes for both consumer and corporate accounts. Credit union products and services related to money movement and payment services. Current and trending fraud schemes. Network processing rules. Certification: Completion of the Visa Dispute Resolution I course. Completion of the Visa Dispute Resolution II course, preferred. Visa Dispute Resolution certified, preferred. WesPay ACH Network certification. Required Knowledge: Expert knowledge of credit union products and services. ATM acquirer dispute resolution regulations. ATM Network mandates/regulations including CO‑OP, Visa, MasterCard, American Express, Pulse, Discover, Cirrus, and Plus. General ledger flow, balancing, and reconciliation. ATM hardware operations, functionality, connectivity, and basic programming concepts. EMV and tokenization. Durbin Amendment for network acquiring. Visa DPS acquiring regulations and operations. NCR hardware and software applications. Skills and Abilities: Proficiency using Microsoft Office Word Processing software. 10 key adding machine by touch. Strong analytical and problem‑solving skills. Strong project management skills. Effectively manage workload of multiple projects. #J-18808-Ljbffr SAFE Credit Union