Why USAA?
At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.
Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.
The Opportunity
As a dedicated Intermediate Bank Disputes Specialist on our Reconciliation team you will, within defined guidelines and framework, protect the financial interests of USAA and our members by thoroughly investigating and resolving complex and moderately complex fraud and non-fraud transactional disputes filed by members on their credit cards, debit cards and deposit accounts in compliance with federal and state Laws, Rules, and Regulations (LRRs). Attempt to recover funds in accordance with payment association rules (Visa, Amex, NACHA, Zelle, etc.), engage in customer service activities to satisfy member requests and provide dispute resolution outcomes and operate in a highly regulated environment where performance is measured by quality and productivity metrics aligned to business scorecards.
We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Phoenix, AZ, or Tampa, FL.
Relocation assistance is not available for this position.

Under direct supervision, completes reasonable investigations of moderately complex Fraud and Non-Fraud Credit Card, Debit Card and Deposit transactional disputes while consistently ensuring regulatory compliance.
Utilizes developing problem-solving skills and knowledge of Laws, Rules and Regulations (LRRs) and payment association rules (Visa, Amex, NACHA, Zelle, etc.) to research, resolve and recovery funds for disputed activity.
Responsible for determining card holder liability based on results of a reasonable investigation.
Processes recovery attempts through chargebacks, representments and arbitrations.
Processes account credits/debits when necessary, in accordance with regulatory requirements.
Documents the results of a reasonable investigation within the appropriate case management system.
May contact members for additional information or when requested to assist with completing a reasonable investigation.
May work control or exception functions associated with Fraud and Non-Fraud Credit Card, Debit Card and Deposit transactional disputes.
Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.