Associate Dispute Analyst at Visa (Miami, FL)
Visa is a world leader in digital payments, facilitating more than 215 billion payments transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive.
When you join Visa, you join a culture of purpose and belonging – where your growth is priority, your identity is embraced, and the work you do matters. We believe that economies that include everyone everywhere, uplift everyone everywhere. Your work will have a direct impact on billions of people around the world – helping unlock financial access to enable the future of money movement.
Join Visa: A Network Working for Everyone.Job Description
Associate Analysts work all dispute cases (simple fraud, complex and ecommerce), including more complex or higher dollar cases. They must collaborate and decision cases according to our client matrix and Visa Dispute Rules and Regulations within compliance timeframes. Associate Analysts may work Prepaid, Debit, or Regional Network for all dispute reasons. Other responsibilities may include reviewing cases from other analysts, assisting with reporting and uploading letters to VROL. Maintain a high level of understanding of all systems, processes, and procedures to help with projects, questions, and training as necessary.
Analyze claimant transaction history, available online data, and leveraging knowledge of industry fraud trends to determine if claim is valid or fraudulent
Review evidence or case presented and leveraging Network (Visa, MasterCard, Regional Network, etc.) dispute resolution management rules to determine the validity of each claim and its potential for recovery
Assess claimant eligibility for access to affected funds during the dispute recovery process in accordance with US consumer laws if applicable
Utilize Network dispute process to attempt recovery on behalf of Visa DAS Clients, ensuring that disputes are submitted in accordance with Network Operating Regulations, and that all required evidentiary and technical conditions and requirements are met
When disputes are challenged by the opposing party via a representment, collaborate with senior staff to review the new evidence to assess its validity and
Resolve the claim or counter-challenge the presentment through Visa’s pre-arbitration, pre-compliance, arbitration, or compliance process or
Pass dispute to DAS Client to decision
Analysts will process all complex dispute types and reason codes
Work and balance Incoming/Outgoing disputes with Visa DPS settlement and Network financial general ledger (Regional only)
Communicate via email and phone to Visa DAS Clients and Network associates as necessary
Upload cardholder letters in VROL, maintain letter library and make changes as necessary once approved by legal and client
Maintain a high degree of knowledge on all Claims Management products
Open tickets and communicate system or settlement issues to leadership or internal partners
Work off business hours as required
This is a hybrid position. Hybrid employees can alternate time between both remote and office. Employees in hybrid roles are expected to work from the office two days a week, Tuesdays and Wednesdays with a general guidepost of being in the office 50% of the time based on business needs.Qualifications
- Minimum of 6 months of work experience or a Bachelor's Degree
- 2 or more years of work experience
- 5 years of experience working in a merchant acquiring, card issuing, or back office banking environment
- 2 years of experience in a dispute resolution management or loss recovery role
- Detailed knowledge of Visa’s International Operating Regulations, industry trends, and industry best practices or Network Operating Regulations
- Detailed knowledge of US Federal Regulations E and Z
- A proven track record for making sound decisions based on available evidence, managing both short and long-term goals, and achieving high quality operational results
- Qualified individuals will possess the initiative and judgment to ensure customer expectations and service levels are exceeded
- Excellent verbal, written, and interpersonal communication skills are required.
- Exceptional knowledge of Microsoft Office, specifically Excel
Visa has a comprehensive benefits package for which this position is eligible that includes Medical, Dental, Vision, 401 (k), FSA/HSA, Life Insurance, Paid Time Off, and Wellness Program.
Preferred QualificationsAdditional Information
Visa has adopted a COVID-19 vaccination policy to safeguard the health and well-being of our employees and visitors. As a condition of employment, all employees based in the U.S. are required to be fully vaccinated for COVID-19, unless a reasonable accommodation is approved or as otherwise required by law.
Work Hours: Varies upon the needs of the department.
Travel Requirements: This position requires travel 5-10% of the time.
Mental/Physical Requirements: This position will be performed in an office setting. The position will require the incumbent to sit and stand at a desk, communicate in person and by telephone, frequently operate standard office equipment, such as telephones and computers.
Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.
Visa will consider for employment qualified applicants with criminal histories in a manner consistent with applicable local law, including the requirements of Article 49 of the San Francisco Police Code.