Chargeback/Dispute - SME/SPE - Pune

Job Description 

Effective Job
Requisitions- Dispute
Operations / Fraud & Claims-Reg-E (No Provisional Credit)

Essential Qualifications: Graduate / Postgraduate

Location: Pune | 5 Days | WFO | US
Shift | 2 Way Cab Provided

Interview Mode: Online

Department: Operations – Banking &
Financial Services

Reports To: Process Lead / Team
Manager

Relevant Experience (In
Years):

·         Graduate / Postgraduate with a minimum of 1.5+
years of experience(SPE) & with a minimum of 3+ years of experience in US
Banking Industry and good academic profile in Fraud and disputes claims

Job Summary:

We are looking for a
detail-oriented and analytical Dispute Analyst to handle debit card disputes
under Regulation E, where no provisional credit is issued during the
investigation period. The ideal candidate should have a strong understanding of
Reg-E compliance, excellent case investigation skills, and the ability to make
accurate decisions based on supporting documentation and transaction history.

Key Responsibilities:

·        Investigate Reg-E
related consumer disputes with multiple transactions primarily debit card
transactions.

·        Handle end-to-end
case management, including intake, research, and resolution of Reg-E claims
within regulatory timeframes.

·        Review
transaction history, merchant data, and any supporting documentation to
determine liability.

·        Ensure compliance
with Reg-E guidelines while managing cases where provisional credit is not
provided.

·        Document findings
clearly and accurately in the case management system.

·        Communicate with
internal departments and external parties (e.g., merchants, processors) for
further investigation when required.

·        Identify patterns
of fraudulent activity and escalate suspicious cases for further review.

·        Maintain high
standards for accuracy, compliance, and productivity.

Key Skills &
Competencies:

·        Good
understanding of US banking processes, especially related to Fraud and Dispute
Investigation.

·        In-depth
understanding of Reg-E (Electronic Fund Transfer Act)

·        Strong attention
to detail and accuracy while processing the Investigation

·        Analytical
thinking with good problem-solving skills.

·        Ability to work
in a fast-paced environment and manage multiple priorities.

·        Good
communication skills (verbal and written).

·        Ability to work
in a team-oriented, deadline-driven environment.

Preferred Skills:

·        Experience in a
financial institution or BPO handling U.S. banking processes.

·        Understanding of
chargeback lifecycle, fraud trends, Fraud/Dispute Investigations and risk
management.

·        Compliance and
quality-focused approach to work

·        Employment Type:
Full-Time / Permanent Work from office.