I. Job Summary

Authorizations Staff Job Summary

Handle voice authorization requests from Bank of Commerce Bank branches, local and international merchant acquirers, on-us merchants, and MasterCard in a timely and accurate manner. Conduct comprehensive cardholder identification to mitigate possible risks and ensure that immediate actions are taken whenever card fraud activity is detected to reduce possible bank losses.

Fraud Detection Analyst Job Summary

Monitors, detect and investigate any high-risk and possible fraudulent transaction(s) flagged by the Fraud Detection Module (FDM), Decision Intelligence (DI), and Enterprise Fraud Solution. Conduct deeper review/call-out for those accounts with transactions that breaches the set fraud parameters defined in the fraud tools. Serves as the first line of defense against those who attempt to propagate fraud in the Bank, be it external or internal influence. And ultimately, to help minimize the fraud exposure of the Bank.

II. Duties and Responsibilities

Authorizations

1. Promptly responds to authorization requests from merchants, acquirers, and card brands.

2. Evaluates and processes requests for verification, reversal, card activation, lost card blocking/lifting, temporary increase in credit limit and VIP tagging.

3. Evaluates & processes requests for authorization of different marketing programs.

4. Processes requests for inclusion & deletion of accounts in the MasterCard International Warning Bulletin and Negative File in a timely and accurate manner to reduce the incidence of fraud.

5. Performs comprehensive cardholder identification on suspicious card activity and ensure immediate corrective action.

6. Conducts account validation for all transactions processed by MasterCard International Stand-in due to system slowdown or downtime

7. Performs account monitoring and analysis of all declined transactions, withdrawal frequencies, and accounts with exceeded withdrawal limits.

8. Observes and ensure that Asccend-Online Authorization System is operational during expected normal processing hours and reporting to proper units whenever system problems and concerns are encountered.

9. Conducts account blocking and credit limit suppression for check payments that bounced.

10. Extends shift when required and needed.

11. Maintains good relationships with on-us merchants.

12. Performs other duties and responsibilities that may be assigned from time to time.

Credit & Debit Card Retail Fraud Detection Analyst

1. Detects, investigates and monitors possible fraud, application(s), and transaction(s)

2. Conducts verification through phone and/or email for local, international, cash, retail, and internet transactions

3. Finalizes the reports on fraud cases detected to be presented as fraud referrals to Fraud Investigation Unit.

4. Handles and conducts an initial investigation on disputed transactions arising from retail, internet, cash, and international transactions.

5. Assists acquiring banks in establishing purchase validity

6. Verification of cardholders with request for card delivery and/or replacement following a request for change of addresses and contact information(s).

7. Conducts call-outs for those accounts that may be blocked and replaced for security reasons.

8. May be assigned to handle the review of possible fraudulent transactions of credit cards or other digital products.

9. Will be on shifting schedule 24X7

Digital Fraud Detection Analyst

1. Detects, investigates, and monitors possible fraud transaction and activities done thru digital channels.

2. Conducts verification through phone, SMS, and/or email for local, and international fund transfers.

3. Finalizes and prepares case referrals on fraud cases detected to be presented to Fraud Investigation Unit.

4. Handles and does initial checking on disputed transactions arising from transfers and online payments

5. Responsible for managing alerts created by Enterprise Fraud Solution.

6. Handles verification of clients with requests to change mobile and email addresses.

7. Conducts call-outs for those accounts that may be blocked by Enterprise Fraud Solution.

8. Will assist CS, branches, and departments regarding security inquiries of different digital products

9. Will be on shifting schedule 24X7