Investigator I, Fraud Claim Investigations

Become an everyday champion — and build a career where your impact fuels financial progress.What We DoCardWorks Financial Group is a diversified financial services platform building ethical solutions across credit, lending, and the full customer lifecycle. Through our family of companies, CardWorks Financial Group tackles the complex challenges that larger financial institutions leave behind. We’re embedded throughout the credit card ecosystem as a lender, servicer, and merchant acquirer.Who We AreMerrick Bank: The bank that buildsCardWorks Servicing: One partner, total performanceCarson Smithfield: Resolution with respectWith nearly 40 years of operating history, our track record is solid: disciplined in downturns and built to accelerate in recovery. The CardWorks Financial Group companies take precise approach in complex markets, as a top three non-prime focused general purpose card issuer and a top fifteen U.S. merchant acquirer.Our team tackles the industry’s most complex credit and payment challenges. And we believe that excellent work starts with a team that feels supported, respected, and empowered to grow.CardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans. We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees.Founded in 1997, Merrick Bank is an FDIC-insured financial institution headquartered in South Jordan, Utah, with over $10 billion in assets. A wholly owned subsidiary of CardWorks Financial Group, Merrick Bank serves roughly five million cardmembers and more than 100,000 merchant customers, offering credit cards, recreational loans, deposit accounts, merchant services and bank sponsorships to consumers and businesses.Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.Position Summary and Role Impact:An Investigator on the Fraud Claims Investigations team researches and examines fraud or abuse related to account holder information for our clients. In this role, primary responsibilities will include working and investigating card fraud cases, triaging cases, and identifying card fraud cases for investigatory follow-up. Work card fraud cases through the lifecycle of the case to maximize outcome for cardholder and client. This may involve direct communication with merchant and cardholder as part of the investigation and as such proper communication and demeanor skills are critical.Essential Functions:Works cases accurately, comprehensively, and timely to case completionReceives inbound calls from cardholders claiming unauthorized transactionsConducts outbound calls to merchants and/or cardholders to complete reasonable investigation within regulatory timeframesAssesses incoming card fraud cases to determine impact to client and cardholder, prioritizing those cases that have particular monetary or reputational impact, and taking action to ensure those cases are worked accurately, comprehensively, and timely so that no opportunities are missedLogs, investigates, updates, and maintain card cases accurately in case management platform.Processes account maintenance, including placing flags and holds on accounts and cards to minimize loss exposure to the clientTakes action to ensure that regulatory (Reg E and Z and any other applicable Regulation) and compliance requirements are met with respect to the card case, and remediating immediately if they are not being metPerforms investigations on card cases categorized as fraud, accessing necessary information and platforms to bring investigation to a resolution.Communicates with internal team members, members, and/or vendors via phone, email, and in-person to obtain additional investigation information working to maintain account holder privacy and data integrity while avoiding 3rd party disclosure.Performs/originates chargebacks on POS/ATM PIN cases to ensure recovery and minimize loss to clients according to the facts of the case.Works with merchants to ensure all recovery efforts are sustained for chargeback, merchant creditMaintains thorough and current knowledge of all applicable federal, state, and local regulations (including but not limited to all FCRA requirements, FDIC Red Flag Guidelines) as well as internal policies and procedures and client’s requirementsMakes sound decisions and takes appropriate actions in the best interest of our clients and/or customersPerforms other job duties as assignedEducation & Experience:High School or its equivalent education requiredTwo (2)+ years’ prior relevant card and/or card fraud experience in bank operations environment, and related customer service experience preferredPrior experience with card case management software preferredPrevious experience with First Data systems is a plusKnowledge, Skills and Capabilities:Flexible and willing to work at a rapid pace within strict time frames including nights and weekendsStrong working knowledge of card processes, including disputes, chargeback and card investigations.High degree of accuracy (data entry, communication, assessments) and attention to detail in all aspects of job functionsPrevious experience utilizing computer applications, analyzing information, investigating/researching accounts, as needed, and making logical decisions, strongly preferred.Proficient in Microsoft Office Suite – Excel, Word, OutlookMeets established unit standards for quantity, quality and monitoring to achieve department and individual goalsExcellent written and verbal communication skills#INDEGOur Employee Value PropositionCompetitive Pay, including a Bonus Target or Variable Pay Incentive ProgramBenefits Package -Medical, Dental, and Vision (plus much more)401(k) Plan with Company MatchShort- & Long-Term DisabilityWellness ProgramsGroup Life and AD&D InsurancePaid Vacation, Sick Days and bank HolidaysEmployee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service RecognitionWe offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.We are proud to be an equal opportunity employer. All qualified applicants will receive consideration without regard to age, race, color, sex, or gender identity/expression (including pregnancy, childbirth, transgender status, or sexual orientation), religion or creed, ancestry, citizenship, national origin, disability, military or veteran status, marital status, genetic information, or any other characteristic protected by applicable law.We do not tolerate discrimination, harassment, or retaliation. Employment decisions are based solely on qualifications, merit, and business needs. Everyone is welcome here, and we hire based on your ability to do the job, not any protected characteristics.If you need help or reasonable accommodation during the application or hiring process, please let your TA Partner know. #J-18808-Ljbffr CardWorks Financial Group