Fraud Mitigation Specialist Debit

## Description Join Our Team For over 70 years, Teachers Federal Credit Union has been committed to guiding members toward building a strong financial foundation today for a better tomorrow. Recognized by Forbes Magazine as one of America’s Best-In-State Credit Unions in 2025, Teachers has grown into one of the nation’s leading credit unions. As we expand our reach across the country, we remain focused on being both a Best Place to Bank and a Best Place to Work. From part-time roles to executive leadership positions, Teachers offers a wide range of meaningful career opportunities. Summary: The Fraud Mitigation Specialist (Debit) is responsible for responding to calls received from members and Teachers staff regarding debit card activity/transactions. Education and/or Experience: - High school diploma or GED required - Minimum two years experience in banking, branch operations, or a related financial services role required - Debit card claims experience required - Visa network rules, debit disputes, chargeback process, chargeback fraud, and Reg E claims experience required - Strong analytical and decision-making skills with the ability to independently investigate and resolve complex issues required - Excellent verbal and written communication skills; comfortable with direct member contact and sensitive communication - High level of discretion and ability to maintain confidentiality in all matters - Team-oriented with the flexibility to support additional fraud operations tasks when required - Experience using fraud detection systems such as LexisNexis, Emailage, or equivalent preferred - Prior exposure to core banking systems and transaction monitoring platforms preferred - Knowledge of current and emerging check fraud trends and mitigation techniques preferred Job Responsibilities: - Processes Debit Card applications, researches fraud alerts and takes appropriate action, handles overdrawn accounts, reviews and processes debit card reissues, and processes approved Debit Card limit - Researches fraud alerts and acts based on policy and procedures - Processes and manage the lifecycle of Debit Card disputes - Contacts members to obtain information related to disputes - Processes chargebacks, provisional credits, and communicates with members to ensure accurate information is entered in systems - Analyses and processes requests from merchants to release authorization holds - Accesses member accounts to ensure transactions have been completed and releases holds - Blocks and unblocks Debit Card accounts and applies Debit Card Restrictions - Identifies card fraud risks which includes friendly fraud, dispute abuse, chargeback fraud and other relevant cards risks - Partners with the fraud operations team when fraud is detected and ensures cases are created for investigations - Helps identify and track emerging check fraud trends - May supports other fraud functions as needed - \*Performs other duties as needed upon request by immediate supervisor Benefits of Joining the Teachers Team: We provide a competitive compensation and benefits package that includes, but is not limited to: - This position is eligible for our annual discretionary bonus program. Some positions within the credit union also qualify for quarterly performance incentives - Paid time off for vacation, personal days, and holidays - 401(k) company contribution - Teachers pays 100% of Dental & Vision premium - Tuition reimbursement is offered to full-time employees - Exclusive employee discount of 0.96% APR on credit card loans and a 1.00% APR on all other loans through Teachers The good faith range for this position is $23.00 - $27.00 per hour. This range is an estimate, based on potential employee qualifications and operational needs. The salary may vary above and below the stated amounts, as permitted by applicable law. All candidates will be subject to a background check, credit check, and drug test to determine employment eligibility. To learn more about Teachers and…