Disputes Analyst

ABOUT CURRENT

Current is a leading consumer fintech platform transforming financial access for everyday Americans with over five million members. We provide access to financial solutions that seamlessly work together to solve the needs of our members and enable all Americans to build better financial futures. Based in NYC, our results-driven environment drives us to build better products, grow faster and empower everyone on our team to have an impact on our business and mission to improve financial outcomes.

ABOUT THE ROLE

We’re looking for a Disputes Specialist to join our growing Risk Operations team in New York. You will work closely with Fraud Operations, Compliance, Member Experience, and Product teams to investigate cardholder disputes, coordinate recovery opportunities with merchants, and resolve claims in accordance with Federal Regulations and network rules.

You will be responsible for the full lifecycle of dispute case handling—from intake and assessment to documentation, communication, resolution, and financial recovery. You will process dispute claims efficiently, ensure timely responses that meet Regulation E and internal SLAs, and mitigate potential financial and reputational risk to Current.

You’re detail-oriented, inquisitive, and customer-focused, with experience in disputes, fraud investigations, or retail banking.

You should be a strong communicator, a collaborative teammate, and someone who is comfortable navigating complex rules and making sound decisions in a fast-paced environment.

RESPONSIBILITIES

• Process daily dispute-related tasks from operational queues with accuracy and timeliness
• Review claims in accordance with Regulation E, network rules, and internal SLAs
• Manage dispute-related customer communication, primarily via email, with clear and professional explanations
• Initiate appropriate actions to resolve disputes while mitigating financial risk to Current
• Respond to document requests, gather evidence, prepare rebuttals, and communicate findings to customers
• Coordinate with merchants, networks, and cross-functional partners to pursue recovery opportunities
• Liaise with Risk Operations, Fraud Operations, and Member Experience teams to resolve escalated disputes and complaints
• Identify and surface dispute, fraud, or risk trends, including emerging patterns or deviations
• Participate in risk initiatives aimed at improving dispute processes, reducing losses, and enhancing customer experience
• Support broader Risk Operations efforts, including monitoring fraud trends and contributing to financial recovery initiatives

ABOUT YOU

• 1+ years of experience in disputes, fraud operations, or 1 year of general banking experience
• Working knowledge of Regulation E and card network dispute rules
• Experience communicating with customers via phone and email in a professional, empathetic manner
• Ability to identify patterns in dispute, fraud, or risk activity and escalate concerns when necessary
• Strong written and verbal communication skills
• Organized, detail-oriented, and able to maintain accurate records and documentation
• Proficient with Microsoft Office and comfortable learning new internal systems
• High level of accountability, professionalism, and willingness to learn
• Collaborative, supportive of peers, and proactive about asking questions or seeking clarity
• Comfortable working in a fast-paced environment and adjusting quickly to new information or changes in direction
• BONUS- Fintech experience

This role has a base salary range of $70,000 - $96,000 Compensation is determined based on experience, skill level, and qualifications, which are assessed during the interview process. Current offers a competitive total rewards package which includes base salary, equity, and comprehensive benefits.

BENEFITS

• Competitive salary
• Meaningful equity in the form of stock options
• 401(k) plan
• Discretionary performance bonus program
• Biannual performance reviews
• Medical, Dental and Vision premiums covered at 100% for you and your dependents
• Flexible time off and paid holidays
• Generous parental leave policy
• Commuter benefits
• Fitness benefits
• Healthcare and Dependent care FSA benefit
• Employee Assistance Programs focused on mental health
• Healthcare advocacy program for all employees
• Access to mental health apps
• Team building activities
• Our modern NYC based office with open floor plan, stocked kitchen, and catered lunches