Dispute Investigations Analyst I

Dispute Investigations Analyst I at BM Technologies, Inc. Dispute Investigations Analyst I at BM Technologies, Inc. in Rocky Mount, North Carolina Posted in 10 days ago.

Type:

Full-Time Job Description:

Join Our Team--Where Accuracy, Discipline, and Trust Protect Our Customers We're seeking a Dispute Investigation Analyst I to support day-to-day dispute operations by investigating, researching, and resolving customer disputes in accordance with established procedures and regulatory requirements. This entry-level role plays a vital part in protecting customers and the Bank by balancing risk, compliance, and customer experience through careful analysis, disciplined execution, and consistent follow-through. As part of our continued commitment to strong risk management and operational excellence, First Carolina Bank and BM Technologies are guided by our core values: Intentional, Responsive, Enterprising, and Considerate. These values shape how we evaluate risk, support customers, collaborate across teams, and deliver dependable outcomes in a regulated financial environment. Why You'll Love This Role Play a meaningful role in protecting customers and the Bank by resolving disputes accurately and timely Work in a structured, team-based environment where process adherence and precision matter Apply defined procedures and regulatory standards to mitigate operational, financial, and reputational risk Gain hands-on experience with dispute investigation, chargebacks, and fraud-related workflows Collaborate with Dispute Management leadership, fraud teams, operations partners, customers, and merchants Thrive in a steady, methodical role with clear expectations, training, and recurring workflows Build foundational expertise in dispute systems, payment regulations, and financial risk management Be part of a supportive team that values cooperation, patience, and shared accountability What Makes You a Great Fit Detail-oriented and methodical, with a strong focus on accuracy and quality Comfortable working within established procedures, guidelines, and regulatory frameworks Patient, dependable, and steady when managing repetitive, time-sensitive casework Cooperative and team-oriented, with a supportive and collaborative working style Thoughtful and cautious with risk, especially when handling sensitive financial and customer data Able to prioritize tasks, manage workload, and meet regulatory and production timeframes Communicates clearly, professionally, and respectfully with customers, merchants, and internal partners Open to coaching, training, and continuous learning in a regulated environment Key Responsibilities Investigate and resolve basic dispute cases, including card, ACH, check, and wire disputes, following established procedures Analyze dispute documentation and transaction details to determine validity and appropriate resolution Process chargebacks and fraud advice in accordance with applicable card network rules and regulations Ensure Regulation E disputes, notifications, and timelines are met accurately and consistently Maintain dispute inventory to ensure all cases are tracked, documented, and resolved within required timeframes Communicate with customers, merchants, and internal teams to obtain information and provide case updates Complete outbound merchant and customer calls when required Escalate complex disputes in accordance with department guidelines Support ongoing risk mitigation by balancing regulatory compliance and customer experience Participate in training and stay informed on changes in regulations and dispute best practices Perform additional duties and special projects as assigned Qualifications Required Bachelor's degree in business, finance, accounting, or a related field ORminimum of 2 years of experience in banking or financial services Working knowledge of state and federal banking regulations Strong attention to detail and organizational skills Basic analytical and problem-solving skills Ability to work independently with appropriate guidance Clear written and verbal communication skills Ability to manage multiple tasks while staying focused and accurate Preferred Prior banking, fraud, dispute, or regulatory experience Familiarity with dispute processes, chargebacks, or fraud workflows Understanding of regulatory frameworks such as Regulation E, BSA, UCC, Regulation CC, and GLBA Risk Management Requirements Adheres to workplace policies, Code of Conduct, confidentiality, privacy, and information security standards Complies with all applicable regulatory requirements, including BSA, AML, and

USA PATRIOT

Act policies Acts strictly within authorized limits and delegated authorities Follows established dispute, security, and operational controls to protect the Bank and its customers Actively mitigates risk by adhering to defined procedures, timelines, and documentation requirements Benefits Competitive total compensation Comprehensive health, dental, and vision insurance Retirement savings plan with company match Paid time off and paid holidays Professional development and internal growth opportunities Employee assistance programs Opportunity to directly support the safety, soundness, and reputation of the

Bank Our Core Values Enterprising:

We approach our work with sound judgment, accountability, and disciplined execution.

Intentional:

We deliver careful, consistent work and follow established processes with precision.

Responsive:

We provide timely, dependable support to customers and internal partners.

Considerate:

We work collaboratively, valuing respect, professionalism, and teamwork. #DisputeManagement #FraudPrevention #RiskManagement #BankingCareers #OperationsCareers #Payments #CustomerProtection #FirstCarolinaBank #BMTechnologies #ProfessionalCareers