Senior Fraud Analyst

Job Title: Senior Associate - Retail Banking Ops-Cards Operations Issuing

Duration: 6 months (Contract)

Type: Remote

Objective:

To minimize financial losses for the bank, merchants, and cardholders by implementing robust chargeback management processes, optimizing dispute resolution efficiency, and ensuring compliance with card scheme regulations.

Key Strategies & ResponsibilitiesChargeback & Dispute Management

• Handle daily chargeback cases promptly to minimize financial exposure for the bank, merchants, and cardholders.
• Investigate disputes thoroughly and ensure accurate documentation to defend against unwarranted chargebacks.
• Identify trends and root causes of disputes, recommending corrective actions to acquiring merchants and internal teams.

Dispute Loss Reduction

• Analyze dispute data to identify high-risk merchants, transaction types, or patterns leading to chargebacks.
• Collaborate with merchants to implement fraud prevention tools, transaction verification processes, and best practices to reduce disputes.
• Share regular insights with stakeholders to improve dispute win rates and reduce loss ratios.

Process Optimization & Risk Control

• Design, implement, and continuously improve operational processes for chargeback handling and dispute resolution.
• Maintain strong financial controls, ensuring compliance with internal risk policies and regulatory requirements.
• Balance risk mitigation with service delivery to protect profitability while ensuring positive merchant and cardholder experience.

Cross-Functional Collaboration

• Partner with product, promotions, and operations teams to assess risk impact of new initiatives and campaigns.
• Provide input during product design and rollout to ensure risk controls are embedded from inception.
• Support business decisions by presenting data-driven insights and risk impact assessments.

Compliance & Quality Monitoring

• Ensure adherence to Visa, Mastercard, JCB, CUP, Diners, and other card scheme chargeback regulations.

This role involves analyzing large amounts of data related to card transactions and identifying areas where potential risks can be mitigated. The ideal candidate will have excellent analytical skills and be able to present findings in a clear and concise manner to stakeholders.

This is an exciting opportunity to join our team and contribute to the growth and success of our business. If you are looking for a challenging role that offers opportunities for professional development, then this could be the perfect fit for you.

We are committed to providing a supportive and inclusive work environment, and we strive to maintain a healthy balance between work and personal life.

The successful candidate will be expected to work collaboratively with other departments to drive business results and achieve organizational goals.

We offer a comprehensive benefits package, including health insurance, retirement savings plan, paid time off, and career development opportunities.

Our company culture emphasizes innovation, teamwork, and customer satisfaction. We encourage creativity and initiative and provide ongoing training and support to help employees succeed.

We are an equal opportunities employer and welcome applications from diverse candidates. We believe in creating a workplace that is free from bias and prejudice, where everyone has the opportunity to reach their full potential.

We take care of our employees' well-being and offer a range of resources and support services to help them manage stress, improve their physical and mental health, and achieve a better work-life balance.

We are committed to making a positive impact on our community and society as a whole. We engage in various social responsibility initiatives and partner with local organizations to support causes that align with our values.

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