Dispute Specialist

Location: Corporate Office - Rapid City, SD 57702 Category: Banking General Purpose Responsible for handling all necessary tasks for proper processing of disputes across all payment and card channels. Essential Duties / Responsibilities Research and resolve card and payment related discrepancies and disputes. Provide support to members and staff with person‑to‑person and account‑to‑account payments, including reviewing and adjusting limits, determining cause of denied transactions, handling disputes, and escalating issues as necessary. Responsible for the accurate and timely preparation and follow‑up of disputes, charge backs, and card fraud claims; monitor and verify accuracy of incoming reports and documentation; complete and file insurance claims for card fraud losses. Reconcile applicable GL subsidiary accounts, post transaction exceptions, chargeback‑related settlements, and write necessary accounting vouchers and entries. Other Duties / Responsibilities Perform other duties as may be assigned by the Payment Operations Manager. Remain current on changes within the legal, regulatory, economic, competitive, and technology environments that may affect payment and card products and services. Job Knowledge Working knowledge of Regulation E (debit) and Regulation Z (credit) compliance and NACHA Operating rules. Working knowledge of the Credit Union's products and services. Working knowledge of organization’s policies/procedures and Credit Union's service philosophy. Working knowledge of Credit Union's in‑house computer system. Working knowledge of item processing hardware and software. Working knowledge of collection agencies administrative portal. Job Qualifications (Skills) Vision: A sighted person to effectively review documents. Speech/Hearing: Ability to communicate verbally and in writing with staff, members and vendors. Manual Dexterity: Ability to perform necessary computer‑related input. Physical Mobility: Limited mobility required; requires ability to work flexible hours. Job Qualifications (Ability) Ability to assess the needs of multiple members and prioritize requests to ensure that all members receive the highest quality service possible. Ability to handle daily routine with moderate freedom to interpret and act upon various situations. Ability to prioritize multiple, and sometimes, conflicting tasks. Ability to present a professional and personable personality that communicates to members and visitors that the Credit Union is a professional financial institution. Ability to interact with more than one department daily. Ability to work within precise standardized guidelines with some latitude to make decisions and take initiative to resolve problems or unique circumstances. Ability to handle moderate financial record‑keeping requirements to keep personal work updated and accurate. Ability to accept limited responsibility for funds/records. Ability to accept responsibility for quality and accuracy of personal work. Ability to accept responsibility for access to confidential data. Job Qualifications (Education / Experience) Job requires a high school level of language, math, and reasoning skills. Two years’ experience in a related field with equal responsibilities is acceptable. Formal training should be supplemented with continuing education. Working Conditions Material and Equipment Involved: In‑House Computer System Personal Computer 10‑Key Calculator Occasional travel to one of BHFCU’s branch locations or attendance at community events may be required. Physical Requirements Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. Must be capable of climbing/descending stairs in emergency situations. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6–8 hours per day. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Working Environment Must be able to routinely perform work indoors in climate‑controlled shared work area with moderate noise. Notice This job description is not intended to be, nor should it be construed as, a contract or guarantee of employment. Black Hills Federal Credit Union adheres to all federal and state labor laws regarding termination and probationary periods. This position is also subject to all the personnel policies of Black Hills Federal Credit Union. Changes may be made to this job description at any time by the President. Equal Opportunity Statement Black Hills Federal Credit Union is an equal opportunity employer. All applicants will receive consideration without regard to age, race, color, sex, sexual orientation, genetic information, religion, national origin, disability, veteran status, or any other status or condition protected by state or federal law. BHFCU will provide reasonable accommodation to qualified persons with a disability but who are otherwise able to perform the essential functions of the job. #J-18808-Ljbffr