What are the responsibilities and job description for the Associate I (RF), Fraud & Non- Fraud Engagement position at CardWorks?
Join our team - and take the next step in achieving a fulfilling career!
What We Do
At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.
Who We Are
CardWorks, Inc. is a diversified consumer finance service provider and parent company of CardWorks Servicing, LLC, Merrick Bank and Carson Smithfield, LLC.
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.
Merrick Bank is an FDIC-insured Utah Industrial Loan Bank. Merrick operates three main business lines: credit cards, recreational lending, and merchant services.
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
As a Disputes Engagement Red Flag associate within the Disputes Business Unit, you will work in a back-end environment. This role specializes in utilizing internal and external reports and resources to monitor, detect, and prevent fraud for clients and account holders, this are often referred to as “Red Flags”. Receiving incoming fraud related calls is a function of this position.
Essential Functions
Our Employee Value Proposition
We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic. We will conduct a thorough background check for all hires in compliance with applicable.
What We Do
At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.
Who We Are
CardWorks, Inc. is a diversified consumer finance service provider and parent company of CardWorks Servicing, LLC, Merrick Bank and Carson Smithfield, LLC.
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.
Merrick Bank is an FDIC-insured Utah Industrial Loan Bank. Merrick operates three main business lines: credit cards, recreational lending, and merchant services.
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
As a Disputes Engagement Red Flag associate within the Disputes Business Unit, you will work in a back-end environment. This role specializes in utilizing internal and external reports and resources to monitor, detect, and prevent fraud for clients and account holders, this are often referred to as “Red Flags”. Receiving incoming fraud related calls is a function of this position.
Essential Functions
- Monitors, queues, and answer emails in a quick pace environment
- Identifies emerging fraud trends and communicates new trends identified to management
- Places outbound calls to account holders to confirm unusual or suspicious account activity involving account takeovers, fraudulent applications, etc.
- Places outbound call to clients and customers to verify and/or explain unusual or suspicious account activity
- Receives inbound calls on account takeovers, check kiting, and fraudulent applications
- Counsels account holders who are victims of fraudulent activity and conducts inquiries when the situation warrants
- Reviews all aspects of suspicious activity, restricting accounts, calling, sending appropriate correspondence, etc.
- Completes accurate and detailed Lost/Stolen reports
- Conducts payment investigations on unauthorized payments made to the accounts
- Monitors time sensitive daily reports to identify fraudulent, Account takeover activity to cardholder accounts.
- Handles referrals from inbound phone units. Referrals (Accounts) are reviewed for Risk indicators and Red Flags and are actioned based on potential risk to account.
- Performs other duties as assigned.
- High School Diploma or equivalent education required
- Experience with First Data Resources (FDR) and/or related platforms preferred
- Up to two (2) years of related customer service or collections experience is preferred
- Keyboarding proficiency
- Familiarity with Windows based computer applications
- Ability to work under pressure and at a rapid pace
- Effectively and efficiently communicate both through verbal and written channels in a way that others are able to understand the information in a manner consistent with essential job functions
- Ability to multi-task is essential
- Ability to work in a dynamic team environment
Our Employee Value Proposition
- Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
- Benefits Package -Medical, Dental, and Vision (plus much more)
- 401(k) Plan with Company Match
- Short- & Long-Term Disability
- Wellness Programs
- Group Life and AD&D Insurance
- Paid Vacation, Sick Days and bank Holidays
- Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition
We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic. We will conduct a thorough background check for all hires in compliance with applicable.
Salary : $18 - $23
