Card Fraud Specialist

About the Role

The Card Fraud Specialist role is a key part of Nymbus's commitment to protecting its clients' financial assets and reputation. With the increasing sophistication of fraud schemes, the company is seeking a skilled and experienced professional to join their team and help stay ahead of emerging threats.

As a Card Fraud Specialist at Nymbus, you will be part of a remote-first team that values collaboration, accountability, and a strong commitment to execution. You will work primarily in the Eastern Time Zone, with occasional travel required for client engagements, team planning sessions, or company events.

What You Will Do

• Monitor card transaction activity across multiple platforms, including Lithic, Fiserv EFT, VisaDPS, Velera, and TransFund, to identify suspicious patterns and potential fraud threats.
• Conduct thorough investigations of suspicious transactions, gathering and analyzing data to determine the legitimacy of transactions.
• Make sound, well-documented dispute decisions based on investigation findings, fraud classification, and applicable card network rules.
• Escalate cases to internal teams, including cardholders, clients, and processors, with clear and complete investigation summaries.
• 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.
• Maintain a structured case management workflow to manage multiple concurrent investigations with accuracy and consistency.
• Produce complete, accurate case documentation at every stage, including 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.

What We Are Looking For

• 2+ years of experience in card fraud prevention, detection, or investigation, preferably in a financial institution or fintech company.
• Strong analytical and problem-solving skills, with the ability to analyze complex data sets and identify patterns.
• Expertise in financial regulations, including Visa and Mastercard rules and guidelines.
• Excellent written and verbal communication skills, with the ability to communicate complex concepts clearly and concisely.
• Ability to work independently and as part of a remote team, with strong time management and organizational skills.
• Proficiency in Excel and other data analysis tools, with the ability to learn new systems and technologies quickly.
• Strong attention to detail, with a focus on accuracy and quality in all aspects of work.
• Ability to stay up-to-date with evolving fraud trends and regulatory requirements, and adapt to changing circumstances.

Nice to Have

• Experience with card fraud detection and prevention systems, including machine learning and artificial intelligence-based solutions.
• Certification in card fraud prevention or a related field, such as CFE or CCEP.
• Experience working with internal stakeholders, including cardholders, clients, and processors, to resolve disputes and prevent financial losses.
• Knowledge of cloud-based technologies and platforms, including Lithic, Fiserv EFT, VisaDPS, Velera, and TransFund.

Benefits and Perks

• Competitive salary and benefits package, including health insurance, retirement savings, and paid time off.
• Opportunity to work with a cutting-edge fintech company that is leading the way in digital payments and financial services.
• Collaborative and dynamic work environment, with a strong focus on teamwork and communication.
• Flexible work arrangements, including remote work options and flexible hours.
• Professional development opportunities, including training and certification programs, to help you stay up-to-date with the latest trends and technologies in card fraud prevention and detection.
• Access to the latest tools and technologies, including cloud-based platforms and machine learning-based solutions.
• Recognition and reward programs, including bonuses and incentives, for outstanding performance and contributions to the company.
• Comprehensive employee assistance programs, including mental health support and wellness initiatives.

• Develop a strong understanding of financial regulations, including Visa and Mastercard rules and guidelines, to ensure you are up-to-date with the latest requirements and guidelines.
• Build a portfolio of your work, including examples of your analytical and problem-solving skills, to demonstrate your expertise to potential employers.
• Stay current with the latest trends and technologies in card fraud prevention and detection, including machine learning and artificial intelligence-based solutions, to stay ahead of emerging threats.
• Practice your communication skills, including written and verbal communication, to ensure you can clearly and concisely communicate complex concepts to internal stakeholders and cardholders.
• Research the company and role thoroughly, including the company culture and values, to ensure you are a good fit for the position and the company.
• Prepare for common interview questions, including behavioral and technical questions, to demonstrate your skills and experience.
• Be prepared to ask questions during the interview, including questions about the company culture and values, to show your interest in the role and the company.