Fraud Chargeback Jobs in Florida (NOW HIRING)

Become an everyday champion — and build a career where your impact fuels financial progress. What We Do CardWorks Financial Group is a diversified financial services platform building ethical solutions across credit, lending, and the full customer lifecycle. Through our family of companies, CardWorks Financial Group tackles the complex challenges that larger financial institutions leave behind. We’re embedded throughout the credit card ecosystem as a lender, servicer, and merchant acquirer.

Merrick Bank: The bank that builds CardWorks Servicing: One partner, total performance Carson Smithfield: Resolution with respect

With nearly 40 years of operating history, our track record is solid: disciplined in downturns and built to accelerate in recovery. The CardWorks Financial Group companies take a precise approach in complex markets, as a top three non-prime focused general purpose card issuer and a top fifteen U.S. merchant acquirer. Our team tackles the industry’s most complex credit and payment challenges. And we believe that excellent work starts with a team that feels supported, respected, and empowered to grow.

CardWorks Servicing, LLC provides end-to-end operational servicing functions for credit cards, secured cards, and installment loans. We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees. Founded in 1997, Merrick Bank is an FDIC‑insured financial institution headquartered in South Jordan, Utah, with over $10billion in assets. A wholly owned subsidiary of CardWorks Financial Group, Merrick Bank serves roughly five million cardmembers and more than 100,000 merchant customers, offering credit cards, recreational loans, deposit accounts, merchant services and bank sponsorships to consumers and businesses.

Carson Smithfield, LLC provides a variety of post‑charge‑off debt recovery services, including digital self‑service, IVR, live agent, and external agency management.

An Investigator on the Fraud Claims Investigations team researches and examines fraud or abuse related to account holder information for our clients. In this role, primary responsibilities will include working and investigating card fraud cases, triaging cases, and identifying card fraud cases for investigatory follow‑up. Work card fraud cases through the lifecycle of the case to maximize outcome for cardholder and client. This may involve direct communication with merchant and cardholder as part of the investigation and as such proper communication and demeanor skills are critical.

• Works cases accurately, comprehensively, and timely to case completion
• Receives inbound calls from cardholders claiming unauthorized transactions
• Conducts outbound calls to merchants and/or cardholders to complete reasonable investigation within regulatory timeframes
• Assesses incoming card fraud cases to determine impact to client and cardholder, prioritizing those cases that have particular monetary or reputational impact, and taking action to ensure those cases are worked accurately, comprehensively, and timely so that no opportunities are missed
• Logs, investigates, updates, and maintains card cases accurately in case management platform
• Processes account maintenance, including placing flags and holds on accounts and cards to minimize loss exposure to the client
• Takes action to ensure that regulatory (Reg E and Z and any other applicable Regulation) and compliance requirements are met with respect to the card case, and remediating immediately if they are not being met
• Performs investigations on card cases categorized as fraud, accessing necessary information and platforms to bring investigation to a resolution
• Communicates with internal team members, members, and/or vendors via phone, email, and in‑person to obtain additional investigation information working to maintain account holder privacy and data integrity while avoiding 3rd party disclosure
• Performs/originates chargebacks on POS/ATM PIN cases to ensure recovery and minimize loss to clients according to the facts of the case
• Works with merchants to ensure all recovery efforts are sustained for chargeback, merchant credit
• Maintains thorough and current knowledge of all applicable federal, state, and local regulations (including but not limited to all FCRA requirements, FDIC Red Flag Guidelines) as well as internal policies and procedures and client’s requirements
• Makes sound decisions and takes appropriate actions in the best interest of our clients and/or customers
• Performs other job duties as assigned

• High School or its equivalent education required
• Two (2)+ years’ prior relevant card and/or card fraud experience in bank operations environment, and related customer service experience preferred
• Prior experience with card case management software preferred
• Previous experience with First Data systems is a plus

• Flexible and willing to work at a rapid pace within strict time frames including nights and weekends
• Strong working knowledge of card processes, including disputes, chargeback and card investigations.
• High degree of accuracy (data entry, communication, assessments) and attention to detail in all aspects of job functions
• Previous experience utilizing computer applications, analyzing information, investigating/researching accounts, as needed, and making logical decisions, strongly preferred.
• Proficient in Microsoft Office Suite – Excel, Word, Outlook
• Meets established unit standards for quantity, quality and monitoring to achieve department and individual goals
• Excellent written and verbal communication skills

Competitive Pay, including a Bonus Target or Variable Pay Incentive Program

• Medical, Dental, and Vision (plus much more)
• 401(k) Plan with Company Match
• Short- & Long-Term Disability
• Wellness Programs
• Group Life and AD&D Insurance
• Paid Vacation, Sick Days and bank Holidays
• Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition

We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite.

Offered rates of pay are determined based on job‑related knowledge, relevant experience, skills, certifications, and geographic location.

All qualified applicants will receive consideration without regard to age, race, color, sex, or gender identity/expression (including pregnancy, childbirth, transgender status, or sexual orientation), religion or creed, ancestry, citizenship, national origin, disability, military or veteran status, marital status, genetic information, or any other characteristic protected by applicable law.

We do not tolerate discrimination, harassment, or retaliation.

Employment decisions are based solely on qualifications, merit, and business needs.

Everyone is welcome here, and we hire based on your ability to do the job, not any protected characteristics.

If you need help or reasonable accommodation during the application or hiring process, please let your TA Partner know.

CardWorks Financial Group is the engine driving financial progress, a diversified consumer finance provider building ethical solutions across credit, lending, and the full customer lifecycle. Advancing finance with purpose, we put people—clients, customers, and colleagues—at the center of everything we do, guided by our CRITICAL values and united as one enterprise across Merrick Bank, CardWorks Servicing, and Carson Smithfield. As your everyday champion, our vertically integrated platform fuels financial progress through access to credit, high yield deposits, flexible merchant payments, and end to end servicing performance—powered by a culture of relentless curiosity, belonging, and growth.