Card Fraud Specialist | JobSetuu

Description

Job Overview

• Source: Jobicy

Job Description

Nymbus (https://nymbus.com/) isn’t just a leader in fintech; we’re a community of innovators passionate about reimagining banking. Our award-winning modern core platform and cloud-based technology serve as the backbone for financial institutions eager to modernize and excel.

We operate with an AI-first mindset across our business, continuously improving how we work and the value we deliver to our clients. Our culture is grounded in collaboration, accountability, and a strong commitment to execution.

WORK ENVIRONMENT:

Nymbus is a remote-first company. Occasional travel may be required for client engagements, team planning sessions, or company events. Working hours primarily align with the Eastern Time Zone; candidates located in the Eastern or Central time zones are preferred. 

POSITION SUMMARY:

The Card Fraud Specialist serves as a critical line of defense in protecting the financial assets and reputation of Nymbus clients. This role is well-suited for a detail-oriented, deadline-driven professional who takes pride in managing complex investigations with accuracy and accountability from open to close.

In this position, you will monitor real-time transaction data and alerts across platforms including Lithic, Fiserv EFT, VisaDPS, Velera, and TransFund, identifying suspicious patterns across a broad spectrum of fraud types, including identity fraud, first-party fraud, account takeover, card-not-present (CNP) fraud, and synthetic identity schemes. You'll conduct thorough investigations, accurately classify each case, and make sound, well-documented dispute decisions based on investigation findings and applicable card network rules.

A core component of this role is knowing when and where to escalate. The right candidate will assess case facts, identify fraud types, including distinguishing true fraud from first-party misuse and route cases to the appropriate internal team with clear, complete investigation summaries. Strong written and verbal communication skills are essential, as this role involves regular engagement with cardholders, clients, processors, and internal stakeholders across all levels of the organization.

ESSENTIAL JOB FUNCTIONS/RESPONSIBILITIES:

• Monitor card transaction activity across platforms (Lithic, Fiserv EFT, VisaDPS, Velera, TransFund) to identify suspicious or high-risk behavior.
• Distinguish between true fraud and first-party misuse, applying the appropriate investigation approach, dispute decision, and escalation path for each.
• Make sound, well-documented dispute decisions based on case findings, fraud classification, and applicable Visa and Mastercard regulations.
• Escalate cases to the appropriate internal teams with thorough summaries, supporting evidence, and a clear recommended course of action.
• Manage the full dispute and chargeback lifecycle, adhering strictly to Visa and Mastercard response timelines and regulatory requirements.
• Assist in general ledger (GL) reconciliation associated with dispute activity and money movement, ensuring accurate accounting of credits, debits, chargebacks, and recoveries across client portfolios.
• Communicate clearly and professionally with cardholders to verify transactions, collect supporting documentation, and explain case outcomes, while carefully assessing credibility as part of the investigation.
• Maintain a structured case management workflow to manage multiple concurrent investigations with accuracy and consistency.
• Produce complete, accurate case documentation at every stage, investigation steps, fraud classification, decisions, communications, and outcomes.
• Contribute to fraud trend reporting and risk insights for internal and client-facing audiences.
• Monitor fraud patterns and emerging schemes to identify opportunities to strengthen detection controls, and draft new or updated rules accordingly.
• Help develop and maintain SOPs, dispute management workflows, and best practice documentation.
• Stay current on Visa/Mastercard rule changes, evolving fraud tactics, and regulatory updates affecting dispute timelines and strategy. 

QUALIFICATIONS:

• Exceptional organizational skills with the ability to manage a large volume of concurrent cases accurately and consistently.
• Extreme attention to detail.
• Strong commitment to dispute deadline management.
• Clear, professional communication skills.
• Sound judgment in card fraud and dispute decisioning.
• Solid working knowledge of identity fraud and first-party fraud indicators.
• Familiarity with Visa and Mastercard dispute resolution rules and chargeback processes.
• Experience with card fraud platforms such as Lithic, Fiserv EFT, VisaDPS, Velera, or TransFund preferred.
• Familiarity with general ledger reconciliation and money movement processes related to dispute and chargeback activity is preferred.
• Background in fraud operations, fintech, or financial services preferred.

SCHEDULE:

• Monday - Friday, 9:00 am to 6:00 pm EST
• Rotating Saturdays 

SALARY & BENEFITS:

• $50,000 - $55,000 Annual Salary 
• Annual Cash Bonus and Equity Options commensurate with the role level and experience
• 100% Remote
• 401(k) plan
• Insurance - Health, Dental and Vision 
• Flexible Paid Time Off

Expert Career Tips for Card Fraud Specialist Roles

To succeed in a competitive market as a Card Fraud Specialist, you need more than just technical skills. Here are some expert strategies to elevate your profile:

• Build a Strong Portfolio: For technical roles, a clean GitHub or a personal project site is essential. For non-technical roles, a case study portfolio demonstrating problem-solving and impact is equally valuable. Show, don't just tell, what you have achieved in your previous positions.
• Master the Narrative: When interviewing, use the STAR method (Situation, Task, Action, Result) to structure your answers. Quantify your results wherever possible—mentioning "increased efficiency by 20%" is much more impactful than saying "improved efficiency."
• Continuous Learning: The industry moves fast. Whether it's staying updated with the latest AI tools or mastering a new management methodology, continuous professional development is key. Consider obtaining industry-recognized certifications that align with Card Fraud Specialist requirements.
• Networking: Connect with other professionals in similar roles. Join online communities, attend webinars, and engage in meaningful discussions on professional social networks. Often, the best opportunities come through referrals and community engagement.
• Soft Skills Matter: Communication, empathy, and leadership are often the deciding factors between two equally qualified technical candidates. Cultivate these skills as they are universally valued across all industries and seniority levels.

Additionally, research the specific company's culture and values. Tailoring your application to show how you align with their mission can significantly increase your chances of moving forward in the process.

Salary & Compensation

Salary not disclosed; typically competitive for the role.

Work Arrangement

Type: On-Site

Standard business hours at the office.

Comprehensive Application Strategy & Hiring Process

Applying for a new role is a marathon, not a sprint. Follow this strategic approach to maximize your success rate:

1. Initial Research & Tailoring

Don't send the same resume to every employer. Spend at least 30 minutes researching the company. Look for recent news, their product roadmap, and their team structure. Modify your summary and core competencies to reflect the specific keywords found in the job description.

2. The Perfect Cover Letter

If the application allows for a cover letter, use it to tell a story that your resume cannot. Explain why you are passionate about this specific company and how your unique background makes you the perfect fit for the challenges they are currently facing.

3. Navigating the Multi-Stage Interview

Most modern hiring processes involve 3-5 stages. This typically includes a recruiter screen, a technical or skill-based assessment, a peer interview, and a final leadership round. Prepare for each stage differently: focus on enthusiasm and fit for the recruiter, technical depth for the assessment, and strategic vision for the leadership round.

4. Post-Interview Follow-Up

Always send a personalized thank-you note within 24 hours of each interview. Reference a specific topic discussed during the call to demonstrate your active listening and genuine interest in the role.

By following these steps, you demonstrate a high level of professionalism and attention to detail that sets you apart from the average applicant.

Typical Interview Process

1. Resume screening
2. HR call
3. Skill interview
4. Final manager interview
5. Offer

Tip: Research the company's products and culture.

Global Market Intelligence & Relocation Insights

At JobSetuu, we specialize in helping talent navigate the global job market. Here is what you need to know about the current landscape in Global and beyond:

The demand for skilled professionals is increasingly borderless. For roles based in Global, understanding the local cost of living, visa requirements (if applicable), and cultural nuances is vital. If this is a remote role, consider the time zone alignment and the asynchronous communication culture of the hiring organization.

Relocation Support: Many forward-thinking companies offer relocation packages that include moving stipends, temporary housing, and legal assistance with work permits. When evaluating an offer, look beyond the base salary—consider the total compensation package, including equity, bonuses, and healthcare benefits.

Work-Life Balance Trends: Hybrid and remote work have become standard in many regions. Research the local labor laws and common practices regarding work hours and vacation time to ensure the role aligns with your lifestyle goals.

Leveraging JobSetuu's tools can help you compare salaries across different cities and understand the "purchasing power" of your potential offer, ensuring you make an informed decision for your long-term career path.

Skills & Competency Roadmap for Professional Development

To remain competitive in Professional Development, we recommend focusing on the following core competencies over the next 12-18 months:

• Technical Mastery: Deepen your expertise in the core tools and languages relevant to your field. For developers, this might be cloud architecture; for marketers, it might be data-driven attribution modeling.
• AI Augmentation: Learn how to leverage generative AI and automation tools to increase your productivity. Understanding how to integrate these technologies into your workflow is becoming a non-negotiable skill.
• Leadership & Strategy: Even in individual contributor roles, the ability to think strategically and lead projects from inception to completion is highly valued. Focus on stakeholder management and high-level project planning.
• Data Literacy: The ability to interpret data and use it to drive decisions is essential across all business functions. Familiarize yourself with data visualization and basic analytical concepts.

By investing in these areas, you not only prepare yourself for the role you are applying for today but also build a resilient foundation for the opportunities of tomorrow.

Apply via JobSetuu

Discover your next career milestone on JobSetuu. This Card Fraud Specialist position is part of our commitment to bringing you the most relevant and high-impact job openings globally. At JobSetuu, we simplify your job search by aggregating premier listings and providing the tools you need to stand out. Don't miss the chance to elevate your professional journey—explore more opportunities and career insights on our platform today.