Location: Stuart or The Villages in FL
JOB SUMMARY:
The EFT Payment Disputes Specialist plays a crucial role in supporting the EFT Payment Disputes Team Lead by ensuring the smooth operation of the Bank’s Debit Card systems. This position involves knowledge of card processing, maintaining card holder records, and ensuring compliance with internal policies and regulatory requirements.
This role is essential in supporting the EFT Payment Disputes Team Lead and maintaining the integrity of the bank’s Debit Card, Bill Pay, and Zelle operations, providing a secure transaction environment for our customers.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
- Manage debit card dispute cases by researching and analyzing EFT transactions, ensuring resolution within regulatory timelines (Regulation E, NACHA rules, and internal policies).
- Communicate effectively with frontline associates, providing timely updates and gathering required documentation to support dispute investigations and ensure a positive customer experience.
- Handle cardholder inquiries and disputes submitted via e-forms or workflow systems, delivering accurate and professional responses.
- Maintain expertise in EFT dispute processing systems and regulatory compliance requirements to ensure accurate and efficient case handling.
- Monitor performance against SLAs and assist in maintaining system uptime for debit card services.
- Reconcile daily debit card transactions across bank networks and surcharge systems to ensure accuracy and integrity.
- Collaborate with Compliance, Risk Management, and Community Banking teams to mitigate fraud and security risks.
- Identify and escalate patterns of fraudulent activity to fraud prevention teams for timely intervention, utilizing dispute processing tools and data analytics to identify trends and improve resolution accuracy.
- Stay informed on emerging fraud trends and work with internal teams and external partners to implement effective prevention strategies.
- Ensure meticulous documentation for audits and regulatory reporting, maintaining adherence to all applicable standards.
- Contribute to process improvement and automation initiatives aimed at enhancing efficiency, compliance, and customer satisfaction.
- Uphold Seacoast Bank’s Code of Conduct and deliver exceptional service aligned with organizational values.
EDUCATION and/or EXPERIENCE:
- High School Diploma or equivalent required.
- 1-3 years Banking experience; or a combination of education and experience.
- Prior experience in card services and fraud detection a plus.
- Ability to handle confidential information with discretion.
- Strong analytical skills and attention to detail.
- Ability to work collaboratively within a team environment.
- Commitment to maintaining compliance and operational standards.
- PC proficient, including MS Word and MS Excel.
The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.
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Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThis employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
Skills Required
- High school diploma or equivalent
- 1-3 years of banking experience, or equivalent combination of education and experience
- Ability to handle confidential information with discretion
- Strong analytical skills and attention to detail
- Ability to work collaboratively within a team environment
- Commitment to maintaining compliance and operational standards
- PC proficiency, including Microsoft Word and Microsoft Excel
- Prior card services and fraud detection experience
Seacoast Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Seacoast Bank and has not been reviewed or approved by Seacoast Bank.
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Leave & Time Off Breadth — Paid holidays, vacation/PTO, and sick leave are part of the package, with bank holidays providing additional time off beyond standard PTO.
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Retirement Support — A 401(k) with company match and profit sharing are offered, alongside an active employee stock purchase plan that broadens long‑term wealth‑building options.
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Wellbeing & Lifestyle Benefits — Medical, dental, vision, wellness program, EAP, flexible spending accounts, tuition reimbursement, and banking‑service perks (e.g., free accounts and safe‑deposit box) round out total compensation beyond base pay.
Seacoast Bank Insights
What We Do
Since 1926, Seacoast Bank has succeeded through a clear vision, planned strategic growth and talented, professional employees. Seacoast provides integrated financial services including commercial and consumer banking, wealth management and mortgage services to customers at 85 full-service branches across Florida, and through advanced mobile and online banking solutions. Seacoast Bank is the wholly owned subsidiary bank of Seacoast Banking Corporation of Florida (NASDAQ: SBCF), one of the largest community banks headquartered in Florida and is Member FDIC/Equal Housing Lending. As of 2023, Seacoast Bank has just under 1,600 associates, $15 billion in assets and $12 billion in deposits. Our Vision: To be the trusted advisor of choice to the customers, businesses, and communities we serve. Our Four Promises: We believe that our greatest assets will always be our people — local bankers who are knowledgeable about the communities we serve and dedicated to an exceptional customer experience. For nearly a century, Seacoast Bank’s commitment to customers has remained the same and is summarized by its Four Promises. We promise to: 1. Get you comfortable with the right products and the right team to serve you 2. Make your day-to-day banking simple 3. Resolve out-of-the-ordinary items responsively 4. Invest in you and your community Please note: This page is intended to be an informational place for our customers and employees to connect and interact. To ensure that visiting our LinkedIn page is a great experience for everyone, we have a several guidelines that we ask you to follow. The Seacoast Bank Social Media Terms Of Use can be viewed at https://www.seacoastbank.com/agreements-and-disclosures/social-terms.
