ROLE PURPOSE 

The successful candidates will be responsible for day-to-day activity related to settlement & reconciliation, Dispute & Chargeback, Fraud & Risk Monitoring for all card type/scheme to support to the Operation Lead of Digi Gate. 

KEY RESPONSIBILITIES 

• MPU, VISA, Mastercard, UPI and JCB All Card Type POS, E Com, and Wave Daily settlement & Reconciliation Process. 

• Ensure all the settlements and reconciliation completed daily, weekly, and monthly. 

• Review the transaction details from acquiring payment networks daily and reconcile every transaction that has been settled. Always enforce strong risk and operational controls and secure satisfactory audit results and adhere strictly with Card Data Security rules. 

• manners multiple Payment Network related settlements transaction details in a daily manner. 

• Ensure all Operations activities are carried out in compliance with authorized processes and procedures and all processes to be documented as per rules from the acquiring network operator.

• Ensure the risk by identifying any suspicious accounting carried out in Card Accounts. 

• Must be capable of working well independently and in teams. 

• Initiation of Chargeback, Representment and report to line manager for any discrepancies. 

• Perform the chargeback from acquiring networks on daily basis to avoid any timeframe delays. 

• Ensure all Operations activities are carried out in compliance with authorized processes and procedures and all processes to be documented as per rules from acquiring network operator. 

• Work with Card Network related Disputes, Chargeback, Re-presentment, Arbitration, Pre-Arbitration, Compliance to death liver based on Payment network’s transaction life Cycle. 

• Perform day to day work related to customer disputes incoming chargebacks related to all payment networks (MPU, Visa, Mastercard, UPI & JCB etc) 

• Ensure zero error in handling all the dispute and chargeback transactions. 

• Ensure zero loss to the bank from chargeback/ disputes case. 

• Track & ensure timely processing of all the chargebacks cycles (Presentment, Fulfillment, First & Second Chargeback, Pre- Compliance, Arbitration etc). 

• Ensure to prepare & submission of all the exhibits, reports, ensure compliance with bank policy for all transaction processing. 

  Experience 

• Minimum 3-4 years working experience in Banking, card business, mobile wallet, POS and acquiring operation (settlement, dispute and Fraud monitoring). 

Knowledge & Skills 

• Demonstrate strong interpersonal and communication skills. 

• Highly organized and paying attention to detail. 

• Possess strong problem-solving and decision-making skills.

• Good knowledge of settlement, Dispute & Fraud Transaction Monitoring Skill, and Accounting Procedures. 

• Knowledge of regulatory, payment network schemes requirements and bank policies and procedures. 

• Full knowledge of clearing & settlement process of All Card Type, Merchant category codes and reason codes to perform daily Operational activity. 

• Proficient with Microsoft Office Suite i.e., Microsoft Words, Excel, PowerPoint, Outlook etc.

Education & Special Training 

• Bachelor’s degrees holder 

Languages 

• Sound and effective interpersonal & communication skills in both Myanmar and English languages.