Disputes Investigation Associate

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Who we are:

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We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.

The Role:

As a Dispute Investigation Associate, you will be responsible for assisting SoFi Members in adjudicating disputes they believe to be in error. Dispute Investigation Associates 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 and operating procedures and your 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, removing all possible biases and making an accurate dispute decision.

What You’ll Do:

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Research, investigate, and resolve debit, credit, ACH, and check disputes (both authorized and unauthorized) to ensure they stay within regulatory requirements with consistent contact with SoFi or other partners as directed

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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.

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Articulate investigation process, mentor other team members on low to medium-complexity disputes, and make rapid decisions on complex dispute issues.

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Navigate multiple systems to accurately research each dispute thoroughly.

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Other duties as assigned and articulated in provided SOPs.

What You’ll Need:

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2+ years of dispute resolution investigative processes and procedures experience at a financial institution

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Proficient knowledge of federal laws, rules, and regulations, including TILA/REG Z, Reg E, UDAAP

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Extensive knowledge of SoFi’s internal processes and products

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Extensive knowledge of US and SoFi internal banking process

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Proficient knowledge of dispute categorizations and ability to identify missing or needed information to adjudicate disputes

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Experience using tools such as Google Sheets/Excel, Docs/Word, and Slides/PowerPoint

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Excellent interpersonal, written, and verbal skills to communicate effectively with SoFi members and members of SoFi’s leadership team

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Ability to speak and write with empathy under challenging situations and de-escalate to assist members properly

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Self-motivated and able to work independently, applying analytical skills required to manage tasks

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Must be detail-oriented and able to work in a fast-paced environment while multi-tasking to manage competing priorities with critical deadlines.

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Critical thinking and data-based decision-making in a fast-paced environment with an emphasis on accuracy and speed to resolutions.

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!

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 an inclusive culture. 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 [email protected].

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.