Remote Chargeback Jobs in Florida (NOW HIRING)

Nymbus (https://nymbus.com/) isn't just a leader in fintech; we're a community of innovators passionate about reimagining banking. Our award-winning modern core platform and cloud-based technology serve as the backbone for financial institutions eager to modernize and excel.

We operate with an AI-first mindset across our business, continuously improving how we work and the value we deliver to our clients. Our culture is grounded in collaboration, accountability, and a strong commitment to 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.

POSITION SUMMARY:

The Card Fraud Specialist serves as a critical line of defense in protecting the financial assets and reputation of Nymbus clients. This role is well-suited for a detail-oriented, deadline-driven professional who takes pride in managing complex investigations with accuracy and accountability from open to close.

In this position, you will monitor real-time transaction data and alerts across platforms including Lithic, Fiserv EFT, VisaDPS, Velera, and TransFund, identifying suspicious patterns across a broad spectrum of fraud types, including identity fraud, first-party fraud, account takeover, card-not-present (CNP) fraud, and synthetic identity schemes. You'll conduct thorough investigations, accurately classify each case, and make sound, well-documented dispute decisions based on investigation findings and applicable card network rules.

A core component of this role is knowing when and where to escalate. The right candidate will assess case facts, identify fraud types, including distinguishing 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, as this role involves regular engagement with cardholders, clients, processors, and internal stakeholders across all levels of the organization.

ESSENTIAL JOB FUNCTIONS/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 for each.
• Make sound, well-documented dispute decisions based on case findings, fraud classification, and applicable Visa and Mastercard regulations.
• Escalate cases to the appropriate internal teams with thorough summaries, supporting evidence, and a clear recommended course of action.
• Manage the full dispute and chargeback lifecycle, adhering strictly to Visa and Mastercard response timelines and regulatory requirements.
• Assist in general ledger (GL) reconciliation associated with dispute activity and money movement, ensuring accurate accounting of credits, debits, chargebacks, and recoveries across client portfolios.
• Communicate clearly and professionally with cardholders to verify transactions, collect supporting documentation, and explain case outcomes, while carefully assessing credibility as part of the investigation.
• Maintain a structured case management workflow to manage multiple concurrent investigations with accuracy and consistency.
• Produce complete, accurate case documentation at every stage, investigation steps, fraud classification, decisions, communications, and outcomes.
• Contribute to fraud trend reporting and risk insights for internal and client-facing audiences.
• Monitor fraud patterns and emerging schemes to identify opportunities to strengthen detection controls, and draft new or updated rules accordingly.
• Help develop and maintain SOPs, dispute management workflows, and best practice documentation.
• Stay current on Visa/Mastercard rule changes, evolving fraud tactics, and regulatory updates affecting dispute timelines and strategy.

QUALIFICATIONS:

• 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 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 preferred.

SCHEDULE:

• Monday - Friday, 9:00 am to 6:00 pm EST
• Rotating Saturdays

SALARY & BENEFITS:

• $50,000 - $55,000 Annual Salary
• Annual Cash Bonus and Equity Options commensurate with the role level and experience
• 100% Remote
• 401(k) plan
• Insurance - Health, Dental and Vision
• Flexible Paid Time Off