Card Fraud Specialist

Remote from: USA
Salary, yearly, USD: 50,000 - 55,000
Department: Cybersecurity
Employment type: Full Time,
Job posted: 10 Jun 2026
Apply before: 10 Jul 2026
Experience level: Midweight
Views / Applies: 13 / 4

Transforming financial institutions with innovative technology solutions.

Financial Services
2015

AI Summary

Nymbus is seeking a remote-first Card Fraud Specialist to serve as a critical line of defense in protecting client assets. The role involves real-time monitoring of card transactions across multiple platforms, conducting thorough investigations, and making sound dispute decisions. The specialist will manage the full chargeback lifecycle, communicate with cardholders and stakeholders, and contribute to fraud trend reporting. This position requires strong attention to detail, deadline-driven performance, and expertise in card network rules. The ideal candidate is a detail-oriented professional who excels in a fast-paced, collaborative environment.

Role DNA

Job Complexity

Easy Hard

Pace & Pressure

Relaxed Fast-paced

Autonomy Level

Guided Full Ownership

Communication Load

Independent Highly Collaborative

AI Insight The role involves complex fraud investigations, knowledge of multiple card networks and regulations, and requires sound decision-making under time pressure, making it moderately difficult.

Salary Analysis

AI Insight The offered salary range of $50,000-$55,000 is within the market range for a Card Fraud Specialist, though slightly below the median. Given the remote-first nature and the level of responsibility, the compensation is competitive for entry-to-mid-level professionals.

Key Skills

Fraud Detection Chargeback Management Visa/Mastercard Rules Transaction Monitoring Risk Analysis Financial Crimes Investigation Communication Attention to Detail Regulatory Compliance

Cover Letter Sample

I am excited to apply for the Card Fraud Specialist position at Nymbus. With my strong background in fraud detection and dispute management, I am confident in my ability to protect your clients' assets while ensuring compliance with card network rules.

In my previous role, I successfully managed the full chargeback lifecycle, monitored transactions across platforms like Visa and Mastercard, and conducted thorough investigations that distinguished true fraud from first-party misuse. My attention to detail and ability to meet strict deadlines have consistently resulted in accurate case resolutions.

I thrive in collaborative environments and have experience communicating with cardholders, clients, and internal teams to gather evidence and explain outcomes. My analytical skills allow me to identify emerging fraud patterns and contribute to rule enhancements that strengthen detection controls.

I am eager to bring my expertise to Nymbus and help drive your mission of reimagining banking. Thank you for considering my application.

Possible Interview Questions

Describe a time you identified a complex fraud pattern. How did you investigate it and what was the outcome?

In my previous role, I noticed a series of small transactions on multiple accounts that appeared to be testing stolen card data. I analyzed the transaction timestamps and locations, cross-referenced with known fraud indicators, and identified a synthetic identity scheme. I escalated the case to the fraud analytics team, who implemented new rules that reduced similar attempts by 30%.

How do you prioritize cases when you have multiple concurrent investigations with competing deadlines?

I assess each case based on the transaction amount, potential risk, and regulatory deadlines. I categorize cases as critical, high, or standard priority. For example, a chargeback with a short response deadline takes precedence over a lower-value dispute. I also use a case management system to track deadlines and ensure no case is overlooked.

Explain the difference between true fraud and first-party misuse. How would you handle a suspected first-party misuse case?

True fraud involves unauthorized transactions by a third party, while first-party misuse occurs when a cardholder or someone they know makes authorized transactions but later disputes them. For suspected first-party misuse, I gather evidence such as IP addresses, shipping addresses, and communication history. If evidence indicates misuse, I deny the dispute and document the findings to support the client.

What steps do you take to stay updated on Visa and Mastercard rule changes?

I subscribe to Visa and Mastercard newsletters, attend webinars, and review updates on their portals. I also participate in internal training sessions and share key changes with the team. For example, when Mastercard updated its chargeback reason codes, I created a quick reference guide for my team.

How do you handle a difficult conversation with a cardholder who is frustrated about a denied dispute?

I remain calm and empathetic, acknowledging their frustration. I clearly explain the investigation findings and the reasons for the decision, referencing specific policies. I offer to escalate if they wish, and provide clear next steps. I ensure the communication is professional and thorough, leaving the cardholder with a positive impression of the process.

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

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