What are the responsibilities and job description for the Digital Banking/Debit Card Dispute Specialist position at First Bank Texas?
- Experience: 2-5 years
- Responsibilities: Digital Banking Associate will be responsible for onboarding and maintenance Treasury Management Services, which includes system access, product configuration, collaborating with Treasury Management and operations to ensure a smooth transition. Digital Banking will serve as the quality control for contracts ensuring compliance with policy and procedures. Act as subject matter expert for Treasury products, services, and systems. Act as a liaison with various internal departments to facilitate implementation of products. Responsible for training associate level team members.
Debit Card Dispute Associate is responsible for investigating and resolving discrepancies related to debit card transactions, including potential fraud cases, by reviewing account details, contacting merchants, and making informed decisions to credit or deny disputed charges, while adhering to banking regulations and customer service standards. Responsible for training associate level team members.
- Reviewing Debit Card Disputes: Analyze customer-submitted debit card dispute claims, identifying the nature of the issue (unauthorized charges, incorrect amount, merchant error) and gathering relevant transaction details. Investigating Transactions by contacting merchants to verify transaction details, gather supporting documentation, and attempt to resolve disputes directly with the merchant. Fraud Detection-Identify potentially fraudulent activity based on transaction patterns and suspicious details, reporting suspected fraud to relevant authorities and setting Real Time Deployment Rules (RTD). Customer Communication-Clearly explain the dispute process to customers, provide updates on investigation progress, and address any concerns. Decision Making-
Based on investigation findings, decide whether to credit the customer's account or deny the dispute claim, providing detailed reasoning for each decision.
- Record maintenance for Debit Card Disputes: Maintain detailed records of each dispute investigation, including dates, contact information, transaction details, and resolution outcomes.
- Reporting for Debit Card Disputes: Generate reports on dispute trends, fraud patterns, and compliance metrics as needed.
- Regulatory compliance: Ensure adherence to banking regulations like Regulation E regarding debit card dispute processing timelines and procedures.
- Employees will be required to complete tasks or responsibilities as directed by the supervisor or manager, depending on the needs of the company or situation.
We are an equal opportunity employer.
Who we are First Bank Texas is a community bank with directors, officers and employees who are committed to serving the community in which they work and live. We are committed to the tradition of providing the same superior serves with a warm and friendly smile that our customers have come to expect.
