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Salary: USD 70,000 - 80,000 / annual
Stash is a venture-backed fintech company on a mission to simplify investing and help everyday Americans build wealth. The company operates with a people-first hybrid model and values inclusion and work-life balance.
You will join Stash's Fraud & Disputes team within Operations as an Associate, playing a pivotal role in maintaining a customer-first approach to investigations and resolution of disputes and potential fraud. This is a lean team environment focused on crafting a consumer-friendly, technology-driven experience.
Key Responsibilities:
- Investigate disputes for card and ACH transactions according to Reg E, MasterCard, and debit network rules
- Resolve disputes in compliance with all applicable rules and regulatory timeframes
- Manage the end-to-end chargeback lifecycle, leveraging deep knowledge of Mastercard network rules to minimize financial loss
- Review and make decisions on remote deposit capture checks, returns, and adjustments according to procedure
- Investigate and analyze suspicious account activity, high-risk transactional patterns, and customer demographics to identify and mitigate fraudulent activity
- Synthesize complex data to deliver well-reasoned fraud and dispute determinations, documenting findings in clear, concise investigative summaries
- Contribute to a collaborative team environment focused on continuous improvement and effective risk management
- Leverage new technology, including AI, to improve processes and ensure accurate decisions
Requirements:
- 3-5 years of experience in mobile deposit capture processing, debit card and ACH dispute investigations and resolutions
- Expertise with consumer payment rules and regulations, including Reg E, Nacha, card and network rules
- Proven experience resolving transaction disputes and conducting chargeback lifecycle management according to Reg E, MasterCard, and debit network rules
- Track record of meeting strict regulatory deadlines and network timeframes without sacrificing quality or accuracy
- Strong understanding of risk and controls, with ability to analyze complex transaction histories, behavioral patterns, and customer demographics to detect anomalous or fraudulent activity
- Ability to synthesize incomplete or conflicting information into clear, logical, and accurate determinations; experience with AI tools recommended
- Detail-oriented and highly organized with excellent grammar; capable of writing objective, audit-ready investigative summaries while effectively prioritizing tasks in a fast-paced environment
- Proactive team player who actively contributes to a culture of risk management, knowledge sharing, and process improvement
