Sr Specialist FPDR (Fraud Prevention & Dispute Resolution)
Target Financial and Retail Services (FRS) liaison among Target cardholders, issuers, stores, and other merchants. Thoroughly researches assigned transaction and payment disputes on Target REDcard products. Processes and resolves disputes timely and efficiently. Ensures that disputes are resolved according to Visa guidelines, internal procedures, and federal regulations; while minimizing financial loss to FRS and delivering a brand experience to the guest.
PRINCIPAL DUTIES AND RESPONSIBILITIES
1.Ability to understand, articulate, and maintain a thorough knowledge of Visa regulations, federal regulations and Target internal guidelines as related to all DR work types including Payment and Transaction Disputes.
2.Deliver a brand experience by handling Incoming cardholder calls, making every effort to resolve the dispute while the cardholders are on the phone.
3.Ensures that disputes are documented and resolved in accordance with federal guidelines, Visa guidelines and Target internal policies.
4.Utilizes all resources available to research and resolve billing issues relating to payments.
5.Collaborates with various internal and external partners for research including Credit Media Facility, Sales Audit, Target Stores, Accounts Receivable Control, Merchants, Acquiring Banks, Central Cash Management, Fraud Detection and FRS Guest Operations.
6.Accurately processes time sensitive work regulated by FCBA, FCRA, Reg Z and Reg E.
7.Evaluates transaction detail to process charge backs, account and financial adjustments.
8.Maintain department expectations and goals related to productivity, quality, write-offs, Adherence and all other defined goals or standards.
9.Other duties as assigned.REPORTING/WORKING RELATIONSHIPS
Reports to a Team Development Leader. Daily contact with Target Cardholders, internal Target Financial and Retail Services departments, Target Stores, Other Merchants, Acquirers, 3rd party service providers, Visa and VROL representatives. Delivers a Target Brand experience while resolving disputes for the cardholder through communication with our internal and external partners and business associates.JOB REQUIREMENTS
·1 year as a Dispute Representative or equivalent work experience
·High School Diploma or GED
·Exceptional communication skills; verbal, written and listening
·Detail oriented and ability to multi-task
·Proven excellence in cardholder service and problem solving
·Strong organizational, analytical, planning and decision making skills
·Ability to work independently as well as on a team
·Ability to handle a fast-paced work environment with a strong sense of urgencyDESIRED REQUIREMENTS
·College degree or equivalent work experience
·PC skills including Word, Excel, Access, and Outlook
·Understanding of the Credit systems and functions
·Previous Bankcard Industry experience
·Understanding of reporting and general ledger procedures