Achieva Credit UnionCard & Digital Payments Dispute and Fraud Manager
May. 2024 - Jan. 2025Dunedin, Florida, United StatesLed a cross-functional team in managing cardholder disputes and fraud investigations, reducing average case resolution time by 35% through streamlined workflows and enhanced automation tools. Developed and implemented a fraud prevention strategy for digital payments, resulting in a 45% decrease in unauthorized transactions within 12 months. Conducted root-cause analysis on recurring dispute patterns, which led to revised merchant guidelines and a 25% reduction in chargeback rates. Collaborated with risk, compliance, and legal teams to ensure dispute handling adhered to Regulation E, UCC, and card network rules, maintaining a 100% audit compliance score. Implemented real-time fraud detection rules and machine learning models that improved early fraud detection rates by 40%, minimizing financial loss. Trained and mentored a team of 15 analysts and specialists, boosting case accuracy and customer satisfaction scores by 30% in post-resolution surveys. Partnered with IT to deploy a digital case management system, which improved workflow efficiency and increased team productivity by 20%. Conducted quarterly fraud trend reports and presented actionable insights to senior leadership, influencing data-driven decision-making across the enterprise. Negotiated with issuing banks and card networks to recover funds, successfully reclaiming over $2.3M in fraudulent losses within a year. Launched a customer education campaign on digital payment safety, resulting in a 15% decrease in user-generated fraud incidents over six months.