CBS - Authorizer

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Position Title:  Authorizer

Job Summary

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  The position is responsible for making decisions within set standards on authorization related transactions; providing quality service to acquirers, accredited merchants, affiliated banks and cardholders; detecting and preventing fraud at point of transactions; implementing credit policies on MCC internal programs.

  
  

Specific Duties & Responsibilities

Issuing Responsibilities

• Facilitates Voice Authorization Requests from the following:




• Acquiring bank


• Accredited Merchant (Straight and Installment Transactions)


• Affiliated Banks – MBTC & PSBank (Cash Advance and Cash Installments)


• MCC( Internal programs such as Balance Transfer, Cash2Go by Phone, HRP, etc)




• Coordinates with different Acquiring Banks for various authorization related concerns


• Ensures posting of cash Advance and Cash Installment transactions


• Facilitates Transaction Reversals (Online and after batch reversals)


• Analyzes and evaluates accounts qualified for Force Authorizations


• Facilitates Force Authorization requests


• Facilitates rebooking of Installments


• Listing of Accounts to VISA / MasterCard Negative File


• Monitors VIP Accounts and escalates declined transactions to immediate supervisor


• Facilitates card activation and blocking of reported lost cards for call overflow from Customer service.


• Coordinates with Credit Acquisitions any increase in Credit Limit requests by identified ‘VIP’ clients


• Communicates reason for decline during Point-of-Sale transactions to selected ‘VIP’ clients and coordinates with concerned department any issue / request that may arise from the conversation.


• Coordinates with Visa / MC as well as with the cardholder in processing Emergency Services requests:




• Emergency Card replacements


• Emergency Cash Disbursement

Acquiring Responsibilities

• Coordinates with different Issuing Banks (Local and International) for Approval, Transaction Reversal, or Special Instructions


• Ensures that proper card acceptance is followed by accredited merchants


• Facilitates BIN to Bank Verification




• Analyzes High Risk or Low Risk Transactions


• Coordinates with Issuing Banks when needed


• Relays appropriate response to affiliated merchants




• Facilitates Code10 handling




• Gathers necessary information without comprising security issues


• Coordinates with Issuing bank or Fraud Unit for appropriate actions


• Relays appropriate information or instructions to affiliated merchants




• Assists merchants in different issues related to the acquiring business which includes though not limited to:




• Technical concerns (POS, communication lines, Terminal responses, etc)


• Affiliation concerns


• Payment concerns (follow-ups, discrepancies, reconciliations, etc)


• Supplies concerns (thermal rolls, manual slips, adapter, etc)




• Assists the Transaction processing Unit in processing of non-posting and late posting of transactions


• Coordinates with the Merchant Acquiring Team or Merchant Fulfillment team any urgent concerns by the Merchants.

Fraud Detection Responsibilities

• Performs callout or case update on cases and red flags generated by the different fraud detection such as, but no limited to, Falcon 5.2C, Fraud Detection System (FDS) – Issuing and/or Acquiring.


• Facilitates fraud-related inbound calls such as but not limited to transaction confirmation, security alert and Secure Online Shopping (SOS)


• Performs temporary blocking of cards for unconfirmed/unauthorized transactions.


• Performs call-outs for card replacement of compromised accounts


• Performs addition/deletion of accounts in OAFR.

Other Responsibilities

• Ensures attainment of Service Level Agreements to set standards




• Grade of Service


• Abandon Rate


• Return to Queue Rate


• Speed of Answer


• Average Handling Time




• Prepares monthly and Daily MIS as needed by the Unit


• Ensure system (CardLink and PABX) are in working condition.


• Performs special duties as assigned by supervisor

Qualifications:

• Bachelor’s degree holder; preferably graduate of business course


• Experience in authorizations from a bank or credit card company is an advantage


• Proficient in the following Microsoft applications: Word, Excel and PowerPoint


• Knowledge on Cardlink application is an advantage


• Willing to work onsite 100%  in shifting schedule, weekends and holidays

Other Details:

Rank: Rank and File

Unit: Consumer Business Sector / Credit Operations Group / Authorizations, Fraud. and Chargeback Department / Authorizations Section

Location:  Ayala, Makati