Dispute Analyst

BAYTREE HEADQUARTERS
8045 North Wickham Road
Melbourne, FL 32940, USA

At
Space Coast Credit Union (SCCU), our members are at the heart of everything we do. Since 1951, we've been committed to delivering financial services founded on integrity and a people-first philosophy.

As the Dispute Analyst I at our Melbourne Headquarters, you will assist in the end-to-end review, processing, and resolution of fraud and merchant disputes across Space Coast Credit Union's debit and credit card portfolios. Primary duties include responding to member inquiries, identifying and preventing fraudulent activity, interpreting and applying dispute resolution regulations and guidelines, reviewing documentation, processing reports, reconciling accounts, and executing other vital tasks that contribute to the efficiency and success of our card programs.

Why Join SCCU?

• Member-Focused Mission
  :
  Be part of a not-for-profit organization that reinvests in its members.
• Hybrid & Flexible Schedule Options
• Career Growth
  :
  We prioritize internal promotions and offer on-the-job training.

Dispute Analyst I Key Responsibilities

• Reviews, processes, and decisions debit and credit card fraud and merchant disputes, including ATM transactions, submitted to the Card Services department through various workflows; ranging from novice to intermediate complexity levels.
• Collaborates with Dispute Analyst II and/or leadership to discuss challenged claims via representment to review any new evidence to assess its validity and resolve the claim or counter challenge the presentment through Visa’s pre-arbitration, pre-compliance, arbitration, or compliance process.
• Articulates and disseminates processing requirements for the various fraud dispute and merchant dispute types, reasons, categories, and documentation needed to effectively and correctly process claims timely in accordance with Visa Operating Rules and Visa Claims Resolution guidelines.
• Maintains complete knowledge of Visa chargeback and compliance rules along with Reg E, Reg Z and other card networks used by SCCU.
• Contacts cardholders who have submitted disputes when necessary to ensure all necessary steps have been taken to proceed with a dispute.
• Collects supporting documentation to assist team members to complete non-fraud disputes without additional member follow- up and reviews supporting documentation accordingly.

Dispute Analyst I Requirements

• 1 to 3 years of prior experience in credit and debit card services or a similar field required.
• Basic proficiency with Microsoft Office.
• Fraud disputes and/or merchant disputes processing preferred.
• Completion of Visa’s Introduction to Dispute Resolution or equivalent preferred.
• Proficient understanding of Visa Operating Rules and Visa Claims Resolution guidelines required.

Dispute Analyst I Compensation

• Starting Salary: $22.17 - $23.48/hour or $46,130 - $48,847/year
• Bonus Opportunity: Eligible for ONE SCCU Annual Bonus.

Work Schedule

• Monday - Friday: 10:00 a.m.
  
  - 7:00 p.m.
• Rotating Saturdays: 9:00 a.m.
  
  - 3:00 p.m.

SCCU Benefits

• Health & Wellness: Medical, dental, and vision insurance, plus an Employee Assistance Program.
• Financial Perks: 401(k) match (5%), HSA match, and SCCU-paid insurance (short/long-term disability, life insurance).
• Education Support: Tuition reimbursement after one year of service.
• Generous Time Off: 20+ days of PTO, birthday PTO, and 11 federal holidays.
• Exclusive Discounts: Lower rates on loans, credit cards, and no fee SCCU accounts!

About SCCU

Since 1951,
Space Coast Credit Union (SCCU) has proudly served our community, growing to over 685,000 members and managing $9 billion in assets. With 67 branches spanning Florida’s east coast, we are the third-largest credit union in the state. In 2025, we expanded into Orange County to better serve the growing East Orlando market.

As a not-for-profit financial institution, SCCU is dedicated to putting our members first. Unlike traditional banks, we return profits to our members through better rates, lower fees, and enhanced services. While we offer the same financial products - like checking, savings, and loans - our focus remains on empowering our members and supporting their financial well-being.…