Card Fraud Specialist

Card Fraud Specialist

Nymbus is a leader in fintech, reimagining banking with an award-winning modern core platform and cloud-based technology. We operate with an AI-first mindset, fostering a culture of collaboration, accountability, and execution.

Work Environment: Nymbus is a remote-first company. Occasional travel may be required for client engagements, team planning sessions, or company events. Working hours primarily align with the Eastern Time Zone; candidates located in the Eastern or Central time zones are preferred.

About the Role

The Card Fraud Specialist is a critical defense line, protecting the financial assets and reputation of Nymbus clients. This role is ideal for a detail-oriented, deadline-driven professional skilled in managing complex investigations from start to finish with accuracy and accountability.

You will monitor real-time transaction data and alerts across platforms including Lithic, Fiserv EFT, VisaDPS, Velera, and TransFund. Your responsibilities will include identifying suspicious patterns across various fraud types such as identity fraud, first-party fraud, account takeover, card-not-present (CNP) fraud, and synthetic identity schemes. You will conduct thorough investigations, accurately classify each case, and make sound, well-documented dispute decisions based on findings and applicable card network rules.

A key aspect of this role is knowing when and where to escalate. You will assess case facts, identify fraud types, distinguish true fraud from first-party misuse, and route cases to the appropriate internal team with clear, complete investigation summaries. Strong written and verbal communication skills are essential for engaging with cardholders, clients, processors, and internal stakeholders.

Key Responsibilities

• Monitor card transaction activity across platforms (Lithic, Fiserv EFT, VisaDPS, Velera, TransFund) to identify suspicious or high-risk behavior.
• Distinguish between true fraud and first-party misuse, applying the appropriate investigation approach, dispute decision, and escalation path.
• Make sound, well-documented dispute decisions based on case findings, fraud classification, and applicable Visa and Mastercard regulations.
• Escalate cases to appropriate internal teams with thorough summaries, supporting evidence, and clear recommended actions.
• Manage the full dispute and chargeback lifecycle, adhering strictly to Visa and Mastercard response timelines and regulatory requirements.
• Assist in general ledger reconciliation associated with dispute activity and money movement.
• Communicate clearly and professionally with cardholders to verify transactions, collect documentation, and explain case outcomes.
• Maintain a structured case management workflow for multiple concurrent investigations.
• Produce complete and accurate case documentation at every stage.
• Contribute to fraud trend reporting and risk insights.
• Monitor fraud patterns and emerging schemes to identify opportunities for control improvements and draft new rules.
• Help develop and maintain Standard Operating Procedures (SOPs), dispute management workflows, and best practice documentation.
• Stay current on Visa/Mastercard rule changes, evolving fraud tactics, and regulatory updates.

Requirements

• Exceptional organizational skills with the ability to manage a large volume of concurrent cases accurately and consistently.
• Extreme attention to detail.
• Strong commitment to dispute deadline management.
• Clear, professional communication skills.
• Sound judgment in card fraud and dispute decisioning.
• Solid working knowledge of identity fraud and first-party fraud indicators.
• Familiarity with Visa and Mastercard dispute resolution rules and chargeback processes.
• Experience with card fraud platforms such as Lithic, Fiserv EFT, VisaDPS, Velera, or TransFund is preferred.
• Familiarity with general ledger reconciliation and money movement processes related to dispute and chargeback activity is preferred.
• Background in fraud operations, fintech, or financial services is preferred.

What We Offer

• Salary: $50,000 - $55,000 Annually
• Annual Cash Bonus and Equity Options
• 100% Remote Work
• 401(k) plan
• Comprehensive Insurance: Health, Dental, and Vision
• Flexible Paid Time Off