Associate I, Fraud Strategy & Prevention

Join our team - and take the next step in achieving a fulfilling career!

What We Do

At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.

Who We Are

CardWorks, Inc. is a diversified consumer finance service provider and parent company of CardWorks Servicing, LLC, Merrick Bank and Carson Smithfield, LLC.

CardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans.  We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees.

Merrick Bank is an FDIC-insured Utah Industrial Loan Bank. Merrick operates three main business lines: credit cards, recreational lending, and merchant services.

Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.

Position Summary

This position is responsible for utilizing internal and external resources to monitor, detect, and prevent fraud for our clients and account holders.

Essential Functions

• Monitors a fraud detection system that is designed to identify fraudulent activity early
• Performs in-depth analysis to identify emerging fraud trends and communicate trends identified to fraud prevention management.
• Place outbound calls to account holders to confirm unusual or suspicious account activity
• Place outbound call to clients to customers to verify and/or explain unusual or suspicious account activity
• Counsels account holders who are victims of fraudulent activity and conducts inquiries when situation warrants
• Reviews all aspects of suspicious activity, restricting accounts, calling, sending appropriate correspondence, etc
• Complete accurate and detailed Lost/Stolen reports
  
  

Education And Experience

• High School Diploma or related experience
• Experience with First Data Resources (FDR) and/or related platforms preferred
• 0-2 years of related customer service or collections experience
  
  

Summary Of Qualifications

• Keyboarding proficiency
• Familiarity with Windows based computer applications
• Ability to work under pressure and at a rapid pace
• Ability to carry out written and verbal instructions
• Ability to communicate with others and to assimilate and understand information, in a manner consistent with essential job functions
• Ability to multi-task is essential
• Ability to work in a dynamic team environment
  
  

Work Environment/Physical Demands

• Work is in an office environment, sustained posture in a seated position for prolonged periods of time; works with computer equipment for prolonged periods of time
• Some stress may occur
• Travel is generally not required
• This position reports to an assigned Team Leader and supervises no one
  
  

The salary range for this position, if located in NY Metro/NY State is $18.00 to $23.25. However, please note that the salary range will vary for other geographic areas.

Our Employee Value Proposition

• Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
• Benefits Package -Medical, Dental, and Vision (plus much more)
• 401(k) Plan with Company Match
• Short- & Long-Term Disability
• Wellness Programs
• Group Life and AD&D Insurance
• Paid Vacation, Sick Days and bank Holidays
• Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition
  
  

We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite.  Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.

We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic.  We will conduct a thorough background check for all hires in compliance with applicable.