Card Services Fraud Analyst

Join our team as a Card Services Fraud Analyst and play a critical role in protecting our members and the organization from fraud-related losses. We are seeking an experienced professional with at least 3 years of card services and fraud prevention experience in a credit union, bank, or other financial institution.

Title: Card Services Fraud Analyst

Position Status: Full-time, non-exempt (hourly)

Reports To: ERM Fraud Manager

Target hiring pay range: $21.75 per hour to $27.19 per hour

The listed pay information includes the minimum rate of pay to the mid-point rate of pay for the posted position. The actual compensation for this position may vary based upon, but not limited to, licenses or certifications, education or equivalent work experience, market data, qualifications, relevant experience, prior work and performance history, geographic location, and business sector.

We believe great work is to be rewarded with great benefits. Our benefits include, but aren’t limited to, Medical coverage with generous company contributions, Dental with employee only coverage paid by the company, Vision with employee only coverage paid by the company, Paid Time-Off, 401k plan with a defined company match, company paid long-term disability, short term disability, and company paid holidays.

Purpose: The primary purpose of this position is to assist Center Parc Credit Union (CPCU) to live out our mission: “To help our members achieve financial success by providing exceptional products and service.”

The Card Services Fraud Analyst helps protect members and the Credit Union from debit and credit card fraud through transaction review, investigation of suspected unauthorized activity, and timely resolution of assigned fraud claims and disputes. The analyst provides empathetic member support, maintains accurate case documentation, and coordinates protective actions and recovery efforts within established authority. This position also analyzes fraud trends, supports improvements to fraud controls, and follows applicable regulatory requirements, card network rules, and Credit Union procedures.

Assigned responsibilities may vary based on business needs, with proficiency in applicable duties expected over time.

Essential Duties and Responsibilities: Other duties may be assigned.

Adhere to and deliver on Center Parc’s core values

Serve Exceptionally

Commit to Better

Find the Fun

Invest in Integrity

Follow the Numbers

Go Forth and Conquer

Protect with Passion

May monitor debit and credit card activity, fraud alerts, and exception reports to identify potentially unauthorized transactions and prioritize cases based on risk and urgency.

Investigate suspected card fraud by reviewing transaction history, authorization details, member account activity, and supporting records to determine appropriate next steps.

Contact members through approved channels to verify suspicious card activity, gather information, and explain protective actions while following identity-verification procedures.

Take timely action within established authority to restrict or block compromised cards, coordinate replacement cards, and address fraudulent digital wallet activity, escalating exceptions as needed.

Maintain accurate, complete case records documenting evidence, member communications, investigative findings, actions taken, and resolution in designated fraud and dispute systems.

As required, coordinate with Card Services, branch staff, the contact center, Risk, Compliance, and other internal partners to resolve card fraud issues and escalate complex or high-risk cases.

Provide empathetic support to members affected by suspected card fraud, communicate case status and required information, and explain safe card use and fraud-prevention practices.

As assigned, review and process debit and credit card fraud claims and disputes, gathering supporting documentation and tracking cases through resolution in accordance with established procedures.

Prepare and submit assigned chargebacks and supporting responses within applicable card network deadlines; evaluate recovery opportunities and escalate complex dispute matters for review.

As necessary, process or coordinate authorized provisional credits, final credits, and related account adjustments; track required member notices and applicable dispute-resolution deadlines.

As appropriate, analyze card fraud patterns and potential common points of compromise to identify emerging threats, affected cards, and opportunities to reduce losses and prevent repeat incidents.

As requested, prepare reports on fraud activity, losses, recoveries, case aging, and alert outcomes to help management evaluate fraud controls, operational workload, and member impact.

Follow applicable Regulation E and Regulation Z requirements, card network rules, information-security standards, and Credit Union procedures when handling card fraud and disputes; refer questions to Compliance or management.

Maintain current knowledge of card products, payment processes, fraud schemes, and investigation tools; complete required training and share relevant updates with internal partners.

Recommend improvements to fraud-monitoring rules, alert handling, and case workflows; support approved testing and evaluate whether changes reduce fraud without unnecessarily disrupting legitimate member transactions.

As needed, support case quality reviews, audits, and reconciliation of assigned fraud-related entries; identify documentation or control gaps and recommend updates to procedures and staff training.

Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position.

Other duties as assigned.

Supervisory Responsibilities: No direct reports. If serving in a designated lead role, may manage day-to-day tasks through indirect reporting relationships or a matrixed management approach, collaborating with internal and external partners.

Qualification Requirements: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

REQUIRED Education and/or Experience

• Knowledge normally gained through a high school diploma or equivalent.
• 3 years of transactional work experience in banking, financial services, or a credit union.
• Prior experience in card services or credit card fraud.
• Proficiency with a 10-key calculator, typing and data-entry skills, and working knowledge of Microsoft Office software.

PREFERRED Education and/or Experience

• An associate’s degree in business management, business administration, or a related field of study, or 2 years of additional relevant work experience in lieu of a degree.
• 2 years of relevant member-facing card services work experience within a credit union.
• Prior experience completing transactions in Symitar and Meridian Link.

Physical Job Requirements

Must be physically able to operate a variety of automated office machines such as calculator, computer, printer, facsimile, telephone, copier, etc. Must be able to stand, bend and stoop as needed. Must be able to lift and/or carry weights of 5 to 25 pounds.

Center Parc Credit Union is an equal opportunity employer committed to providing equal opportunities to applicants and our policy is not to discriminate against any applicant or employee based on race, color, sex, religion, national origin, disability status or veteran status or any other basis protected by applicable federal, state, or local laws. Center Parc Credit Union prohibits harassment based on the same protected classes and criteria.

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions of the job.

The requirements for the position listed are general and are not all inclusive. If you have any questions concerning this position, please contact Human Resources.

Please note that an employment offer, and your continued employment are contingent upon acceptable results of a background and credit check, and satisfactory proof of your right to work in the U.S.