Functional Consultant

Role Functional Consultant (Disputes) Location ONSITE - Charlotte, NC Contract Contract Skills Banking Card Operations Responsibilities 5+ years of experience in payments disputes & chargebacks across products like ATM, debit/credit cards, ACH, and P2P (Zelle) Strong working knowledge of network rules & regulations (e.g., Visa, Mastercard, NACHA) and Reg E, Reg Z, etc. Expertise in end-to-end dispute process lifecycle: intake, investigation, provisional credit, representment, arbitration and recovery Operational experience handling fraud vs non-fraud disputes, including unauthorized transactions, ATM cash claims, merchant disputes, and ACH returns Proficiency in Zelle disputes handling, including scam vs unauthorized classification, liability assessment, and bank-to-bank coordination Ability to analyze dispute trends, root causes, and leakage points; drive actionable insights for fraud prevention and operational improvement Experience working with card networks, sponsor banks, and third-party processors; familiarity with tools like TSYS, FIS, or Fiserv preferred Strong understanding of regulatory timelines and customer communication standards for dispute resolution #J-18808-Ljbffr Tech One IT