Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B. We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts. Upgrade has been named a "Best Place to Work in the Bay Area" three years in a row, "Top Companies to work for in Arizona" and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans. We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives. About The Role: The Deposit Servicing Dispute Specialist focuses on new and ongoing strategic initiatives to support the success of the Phoenix Service Center as a whole. This role is responsible for the processing of Debit Card and ACH disputes and ensuring compliance with Federal regulations (Reg E) internal compliance guidance, and business SLAs. The ideal candidate brings a positive mindset to our team environment and embodies the core values of the company (Help, Improve, Fast, Own It). What You'll Do: Ensure the accuracy and timeliness of the processing of debit disputes received through Phone, Email, or Chat Complete daily reconciliations to ensure all disputes received have been entered into the appropriate system. Ensure disputes are being handled as required by regulation, follow up with the disputes decisioning team if deadlines are approaching. Respond to customer inquiries related to debit disputes while the customer is on the phone or in a chat, otherwise respond via email by the end of that business day. Prepare reporting on debit disputes. Establish new reports as needed as well as Ad-hoc requests. Proactive in identifying areas of opportunity within operational processes and offers ideas and suggestions for improvement Assist with other duties, as required What We Look For: Knowledge of Debit Card and ACH dispute processing and related regulations (Reg E, NACHA) preferred. Excellent time management and work prioritization skills Attention to detail Ability to thrive in a fast-paced and changing environment with ease and with minimal supervision Bring a flexible mindset and positive attitude– as a start up, we are growing quickly and you may need to adapt to changing policies and procedures while maintaining high quality work output Strong verbal and written communication skills Proven track record of meeting and exceeding production and quality expectations What We Offer You: Great open office space Paid time off (PTO) 401K matching Comprehensive benefits package: Medical, dental, vision, life insurance & disability Conveniently located in the heart of Downtown Phoenix close to light rail and public transportation Paid parking or platinum pass New Hire Training Program Wellness Incentive Program Kitchen fully stocked with snacks and beverages #LI-Onsite For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.