Dispute Investigator

About the Company:

Netspend Corporation is a global, vertically-integrated financial services and technology company dedicated to the delivery of innovative financial empowerment solutions to consumers worldwide. Netspend's financial products and services span prepaid, debit, cross-border payments, and loyalty solutions for consumers and enterprise partners.
Netspend provides prepaid and debit account solutions that connect customers with secure, convenient access to global payment networks so they can manage their money and make everyday purchases. With a nationwide U.S. retail network, customers can purchase and reload Netspend products at 130,000 reload points and over 100,000 distributing locations.
Since our founding in 1999 by industry pioneers, Netspend products have processed billions of dollars in transaction volume and served millions of customers worldwide. The company is headquartered in Austin, Texas with employees worldwide.

As a Dispute Investigator, you will take ownership of customer claims regarding unauthorized activity, billing errors, and merchant issues. This isn't just about data entry; you will dive deep into transaction histories, gather evidence, and make critical decisions that directly impact our customers' financial well-being. Your success will be measured by your ability to resolve claims accurately, process chargebacks efficiently, and maintain high standards of quality and productivity, all while strictly following financial regulations.

• Conduct End-to-End Investigations: Review and analyze complex, high-risk, or escalated transaction disputes to determine fraud liability or billing errors

• Execute Chargebacks: Initiate and manage the chargeback process through card networks (such as Visa/Mastercard) adhering strictly to network rules and timeframes

• Maintain Regulatory Compliance: Ensure all claims are handled in strict accordance with federal financial regulations (including Regulation E and Regulation Z), as well as state laws and company policies

• Adhere to Internal Policies: Follow established operational procedures and guidelines to mitigate financial, legal, and reputational risk for the company

• Hit Performance Targets: Consistently meet or exceed individual daily productivity benchmarks and quality assurance metrics to support department SLAs (Service Level Agreements)

• Documentation & Communication: Maintain precise, clear documentation of investigation findings and communicate resolution decisions effectively to internal teams and customers when required

• Trend Awareness: Identify well-defined patterns or anomalies in dispute data and escalate findings to senior team members or leadership for further analysis

Qualifications:

• Education: High School Diploma or equivalent

• Experience: 1–3 years of experience in financial services, ideally within dispute resolution, fraud investigation, chargeback processing, or banking operations

• Regulatory Knowledge: Solid foundational understanding of Regulation E (electronic fund transfers) and/or Regulation Z (credit card billing errors) is highly preferred

• Technical Skills: Proficiency with core banking platforms, case management software, and network tools (e.g., Visa Resolve Online / Mastercard Connect).

• Analytical Mindset: Exceptional critical thinking skills with the ability to spot patterns, piece together disparate data, and make objective, evidence-based decisions.

• Drive for Efficiency: Comfort working in a high-volume, metrics-driven environment where speed, attention to detail, and quality must go hand-in-hand