Disputes Investigation Analyst

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The role :

As a Disputes Investigations Analyst, you will be responsible for assisting SoFi Members in adjudicating disputes they believe to be in error.

Dispute Investigation Agents review account details including all relevant transactions, credits, and debits to the accounts, recent history of logins, updates to PII, and disputed merchant history to accurately resolve the dispute.

You will use your knowledge of US banking regulations, operating procedures, and experience to analyze the information provided by the Member including all account and transaction information available.

Using all relevant information, you will determine the facts around the dispute, ensuring you remove all possible bias, and come to an accurate dispute decision.

What you'll do :

• Investigate debit, credit, ACH, and check disputes to ensure they stay within regulatory requirements with consistent contact with SoFi or other partners as directed
• Disputes will be both Authorized and Unauthorized disputes
• Analyzes disputed transactions, spending patterns, account access, and relevant member data to make decisions on claims of fraud or errors in adherence to all banking regulations using provided guidance.
• Articulate investigation process, mentor other team members on low to medium-complexity disputes, and make rapid decisions on complex dispute issues
• Critical thinking and data based decision making in a fast paced environment with an emphasis on accuracy and speed to resolutions.
• Exceptional written and verbal communication skills with members, partners, internal, and external vendors / banks contacts.
• Navigate multiple systems to accurately research each dispute thoroughly in performance of duties
• Other duties as assigned and articulated in provided SOPs

What you'll need :

• Extensive knowledge of SoFi's internal processes and products
• Extensive knowledge of federal laws, rules, and regulations including TILA / REG Z, Reg E, UDAAP
• Extensive knowledge of US Banking process
• Knowledge of dispute resolution investigative processes and procedures
• Extensive knowledge of dispute categorizations and ability to identify missing or needed information to adjudicate disputes
• Experience using tools such as Google Sheets / Excel, Docs / Word, and Slides / PowerPoint
• Excellent interpersonal, written, and verbal skills to communicate effectivelyfor communicating with SoFi members and members of SoFi's leadership team
• Ability to speak and write with empathy in difficult situations and de-escalate to properly assist members
• Self-motivated and able to work independently applying analytical skills required to manage tasks
• Ability to work independently, be self-motivated, and accomplish goals with minimal supervision
• Ability to work and accomplish goals with minimal supervision
• Ability to multi-task and manage competing priorities with critical deadlines
• Must be detail-oriented with an ability to work in a fast-paced environment

Nice to have :

• Previous experience in dispute resolution and investigations
• Previous experience in dispute intake

Compensation and Benefits

The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate's experience, skills, and location.

To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!

Pay range : $89,600.00 - $168,000.00

Payment frequency : Annual

This role is also eligible for a bonus, long term incentives and competitive benefits. More information about our employee benefits can be found in the link above.

SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and / or veteran status, or any other basis prohibited by applicable state or federal law.

The Company hires the best qualified candidate for the job, without regard to protected characteristics. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

New York applicants : Notice of Employee Rights SoFi is committed to embracing diversity. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities.

If you need accommodations to participate in the job application or interview process, please let your recruiter know or email redacted .

Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.

Internal Employees

If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.