What are the responsibilities and job description for the Card Fraud Specialist 1 position at Summit Credit Union?
At Summit Credit Union, we believe protecting our members’ financial well-being is fundamental to trust. As a Card Fraud Specialist, you’ll serve on the front lines of fraud prevention—reviewing, investigating, and resolving debit card fraud and dispute claims that impact our members and the credit union’s assets.
In this role, you’ll combine analytical expertise, attention to detail, and compassionate communication to ensure members feel supported while maintaining strong risk management and regulatory compliance. Your work plays a critical role in safeguarding member confidence and reinforcing Summit’s commitment to service and security.
If you’re detail-focused, thrive in investigative work, and value doing the right thing for members—this could be your next great move.
What You’ll Do
Investigate & Process Card Fraud Claims
Accurately review, investigate, and process debit card fraud and dispute claims within Visa, State, Federal, and Regulation E timelines, ensuring proper liability determination and member protection.
Ensure Compliance & Documentation Accuracy
Prepare thorough, clear, and complete investigation documentation that supports audit readiness, regulatory compliance, and successful dispute resolution in accordance with network rules.
Communicate with Members
Provide timely, transparent updates to members regarding claim status, required documentation, and next steps—building trust and understanding throughout the investigation process.
Handle Complex Conversations with Care
Navigate challenging discussions about liability, outcomes, and documentation professionally and empathetically, ensuring members feel informed and supported.
Manage High-Volume Workloads
Efficiently prioritize and manage a large volume of fraud claims by balancing risk, member impact, and required processing deadlines for investigations, adjustments, and chargebacks.
Collaborate & Escalate When Needed
Work closely with internal departments, law enforcement, and external agencies to support positive investigation outcomes and a unified approach to fraud prevention.
Analyze Fraud Trends
Identify claim patterns and trends, reporting actionable insights to the Fraud Analyst to support proactive fraud mitigation strategies.
What You Bring
We take care of our people—because when our employees thrive, our members do too.
Our Perks Include
✅ Excellent health insurance options to support you and your family
✅ 401(k) with employer match to help you invest in your future
✅ Generous paid time off so you can recharge and live your life
✅ Paid holidays and wellness-focused benefits
✅ Opportunities for professional growth and career development
✅ A people-first culture that values inclusion, purpose, and impact
✅ And more benefits designed to support you—at work and beyond
Additional Information
Physical Demands of Position
While performing the duties of this position, the employee is required to sit, stand, and walk, and use hands and fingers. The employee occasionally must reach above and below shoulder level and lift, push, pull, and/or carry up to 10 pounds.
Environmental / Working Conditions
Works in a typical administrative setting with climate control and appropriate lighting. Travel to branches requires exposure to outdoor and traffic conditions.
Equipment Used
Variety of office equipment including telephone, printer, PC, and mobile devices.
Ready to Make an Impact?
If you’re passionate about fraud prevention, member protection, and delivering secure financial experiences—we’d love to meet you.
Our Commitment
At Summit Credit Union, different makes us better. We are proud to be an Equal Employment Opportunity employer and are committed to building a diverse, inclusive workplace where everyone belongs and can do their best work.
In this role, you’ll combine analytical expertise, attention to detail, and compassionate communication to ensure members feel supported while maintaining strong risk management and regulatory compliance. Your work plays a critical role in safeguarding member confidence and reinforcing Summit’s commitment to service and security.
If you’re detail-focused, thrive in investigative work, and value doing the right thing for members—this could be your next great move.
What You’ll Do
Investigate & Process Card Fraud Claims
Accurately review, investigate, and process debit card fraud and dispute claims within Visa, State, Federal, and Regulation E timelines, ensuring proper liability determination and member protection.
Ensure Compliance & Documentation Accuracy
Prepare thorough, clear, and complete investigation documentation that supports audit readiness, regulatory compliance, and successful dispute resolution in accordance with network rules.
Communicate with Members
Provide timely, transparent updates to members regarding claim status, required documentation, and next steps—building trust and understanding throughout the investigation process.
Handle Complex Conversations with Care
Navigate challenging discussions about liability, outcomes, and documentation professionally and empathetically, ensuring members feel informed and supported.
Manage High-Volume Workloads
Efficiently prioritize and manage a large volume of fraud claims by balancing risk, member impact, and required processing deadlines for investigations, adjustments, and chargebacks.
Collaborate & Escalate When Needed
Work closely with internal departments, law enforcement, and external agencies to support positive investigation outcomes and a unified approach to fraud prevention.
Analyze Fraud Trends
Identify claim patterns and trends, reporting actionable insights to the Fraud Analyst to support proactive fraud mitigation strategies.
What You Bring
- 1–2 years of experience in financial services, customer service, fraud operations, or card services
- Associate degree or equivalent related work experience
- Basic proficiency with Microsoft Office and ability to learn fraud detection, case management, and core processing systems
- Strong analytical, problem-solving, and decision-making skills with keen attention to detail
- Excellent written and verbal communication skills, including confidentiality and sensitivity handling
- Ability to work independently and collaboratively while managing multiple cases in a fast-paced environment
We take care of our people—because when our employees thrive, our members do too.
Our Perks Include
✅ Excellent health insurance options to support you and your family
✅ 401(k) with employer match to help you invest in your future
✅ Generous paid time off so you can recharge and live your life
✅ Paid holidays and wellness-focused benefits
✅ Opportunities for professional growth and career development
✅ A people-first culture that values inclusion, purpose, and impact
✅ And more benefits designed to support you—at work and beyond
Additional Information
Physical Demands of Position
While performing the duties of this position, the employee is required to sit, stand, and walk, and use hands and fingers. The employee occasionally must reach above and below shoulder level and lift, push, pull, and/or carry up to 10 pounds.
Environmental / Working Conditions
Works in a typical administrative setting with climate control and appropriate lighting. Travel to branches requires exposure to outdoor and traffic conditions.
Equipment Used
Variety of office equipment including telephone, printer, PC, and mobile devices.
Ready to Make an Impact?
If you’re passionate about fraud prevention, member protection, and delivering secure financial experiences—we’d love to meet you.
Our Commitment
At Summit Credit Union, different makes us better. We are proud to be an Equal Employment Opportunity employer and are committed to building a diverse, inclusive workplace where everyone belongs and can do their best work.