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Operations Specialist, Fraud & Disputes Resolution

Remote, AR, AZ, FL, GA, MO, NC, SC, TN, TX, UT, VA

Mission Lane is combining the power of data, technology, and exceptional service to pave a clear way forward for millions of people on the path to financial success. By attracting top talent and leveraging cutting-edge technology, we’re enabling people to unlock real financial progress. Sound like a mission you can get behind?

We're looking for proactive problem solvers who are champions of integrity and skilled at uncovering the truth to join our Fraud and Disputes Resolution (FDR) team as Operations Specialists.

About You:

You have a genuine desire to protect people from deception. You bring either fraud and disputes investigation experience or at least one year of professional experience from another role where digging for details and making informed decisions were top priorities.

We've found that everyone from experienced fraud professionals, research assistants, loan processors, claims examiners, loss prevention specialists, and back-office operations associates from the banking and financial service industries are well-prepared for success in this important role.

The Impact You'll Make:

You'll use your meticulous attention to detail and research skills to deliver swift resolutions that protect Mission Lane credit cardholders, merchants, and the company from fraudulent activity.

Day-to-Day, You Will:

  • Manage routine fraud and dispute cases, ensuring consistent application of Mission Lane's established processes and procedures.
  • Understand and adhere to all risk and dispute-related regulatory standards, policies, and controls.
  • Leverage third-party data to thoroughly review information and conduct accurate risk assessments.
  • Analyze identifying and supporting documentation submitted by customers and merchants.
  • Engage with customers and merchants on behalf of Mission Lane through outbound phone calls and email to gather dispute-related information.
  • Champion customer needs when they've been impacted by fraud, providing support and expert resolution.
  • Drive cases to completion, proactively addressing challenges to ensure every case reaches a full resolution.
  • Operate with precision and efficiency, consistently meeting deadlines and actively seeking ways to enhance your daily workflow.

Minimum Qualifications:

  • 1+ year of professional experience in a role prioritizing research, accuracy, problem-solving, and decision-making.
  • Clear, confident, concise, and correct communication skills.
  • Strong attention to detail.
  • Analytical mindset with an ability to identify data patterns.
  • Naturally curious, asks probing and clarifying questions.
  • Sound judgment.
  • Fast learner, adapts to new techniques as fraud methods evolve.
  • Driven to complete tasks.
  • Able to overcome resistance and setbacks.
  • Highly organized; manages time and priorities effectively.
  • Tech-savvy; proficient working across multiple systems simultaneously.
  • Collaborates well with others and works effectively independently.
  • Open to constructive feedback and continuous learning.

Preferred Qualifications:

  • 1+ year experience in a Fraud and/or Disputes related role.

Work location:

  • This is a work-from-home position for residents of AR, AZ, FL, GA, MO, NC, SC, TN, TX, UT, or VA.  All states are subject to change.

Workspace requirements:

  • A private, quiet, and distraction-free space with no interruptions.
  • Fast, reliable internet with minimum speeds of 80 Mbps download and 8 Mbps upload.

Schedule: In Eastern Time (ET); convert to your local time, as needed

  • Monday-Friday 8:30 AM to 5:00 PM ET

Compensation & Benefits:

We strive to create an environment that brings out the best in everyone, everyday, and offer comprehensive total rewards packages to support our employees' total well-being. As an Operations Specialist at Mission Lane, your compensation and benefits would include:

  • Hourly Pay Range: $18.50 - $20.06
  • Wellness Stipend: $100 monthly 
  • Internet Stipend: $40 monthly
  • Paid Time Off
  • Holiday Pay
  • Parental Leave
  • Comprehensive Benefits: Health, dental and vision coverage
  • Retirement Savings: 401(k) plan with company matching
  • IT Equipment: Provided for your role during employment

#LI-DNI

About Mission Lane:

Founded in December 2018, Mission Lane is a purpose-driven fintech company based in the U.S., with headquarters in Richmond, Virginia. 

It all started with a realization:  nearly fifty percent of the adult population in the U.S. doesn’t have access to a clear line of credit. Most traditional credit card companies either overlook or overcharge this group because they have less-than-perfect credit scores or no scores at all. We decided this just wouldn’t do.

In partnership with our sponsor banks, we offer credit cards under the Mission Lane brand name, with better, clearer terms, and a more refined customer experience than the alternatives available to people working hard to improve their credit.

To date, over four million consumers have chosen Mission Lane, earning high customer ratings on Credit Karma for its market segment and industry leading Net Promoter scores. 

Mission Lane has cumulatively raised over $600 million of equity from leading investors, including Invus Opportunities, QED Investors, LL Funds, funds affiliated with Oaktree Capital Management, and other leading investors.

Interested in learning more? Check out The Mission Lane Junction for articles on culture, credit, and community, and The Mission Lane Newsroom for media mentions.

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At Mission Lane, we’re committed to a workplace built on respect and dignity, where everyone has the opportunity to contribute. We believe diversity in all forms makes us stronger, and we intentionally foster an inclusive environment where employees feel valued, respected, and free to be their true selves. We are proud to be an equal opportunity employer and do not discriminate based on race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity, or any other protected status.

Mission Lane provides reasonable accommodations to applicants who need them for medical or religious reasons, as required by law.  Applicants can initiate an accommodation request by contacting peopleexperience@missionlane.com.

Mission Lane is not sponsoring new applicant employment authorization and please, no third-party recruiters.

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2. You can cancel the SMS service at any time. Just text "STOP" to unsubscribe. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to opt-in again, just reply "START" to the phone number you unsubscribed to and we will start sending SMS messages to you again.
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6. If you have any questions regarding privacy, please read our privacy policy at https://missionlane.com/legal/privacy-policy.

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Effective Date: January 1, 2023 

The California Consumer Privacy Act (“CCPA”) requires Mission Lane LLC (“Mission Lane”  “we”, “us” and “our”) to inform California residents who apply for our jobs (“Job Applicants”) about the categories of “Personal Information” (“PII”) we collect about them and the purposes for which we collect, use or disclose that information.  This Job Applicant Privacy Policy and Notice at Collection contains disclosures required by the CCPA and applies only to “Personal Information that is subject to the CCPA.  Some of the data collection and uses described below may not apply to you.   

We may also provide you additional privacy notices regarding our collection, use or disclosure of information. Please read this Policy and any other privacy notices carefully. Please note that this Policy does not form part of any employment contract or contract to provide services.

Individuals with disabilities can access this notice by using assistive technology such as a screen reader.

  • Types of Personal Information We Handle

We collect, store, and use various types of information that identifies, relates to, or could reasonably be linked to you in connection with your application for employment at Mission Lane. We collect such information either directly from you or (where applicable) from another person or entity, such as an employment agency, recruitment company, or others who provide references.  We will collect additional Personal Information throughout the course of your application process.

The information we collect from and about Job Applicants includes, where applicable:

  • Personal and online Identifiers such as full name, home and business addresses, telephone numbers, and email addresses, or unique online identifiers.

  • Categories of information described in Section 1798.80(e) of the California Civil Code (such as Social Security number, or driver’s license or state identification number)

  • Characteristics of protected classifications under California or federal law

  • Internet or other electronic network activity information (such as browsing history, search history, interactions with a website, email, application, or advertisement)

  • Professional or employment-related information, including:

o  Recruitment, employment, or engagement information such as application forms and information included in a resume, cover letter, references or otherwise provided through the application and recruitment process, and our evaluations of your performance during the interview process.

o  Career information such as job titles; work history; work dates and work locations; salaries; information about skills, qualifications, experience, publications, speaking engagements; and professional memberships.

o   Business travel and expense information such as travel itinerary information and expenses incurred for travel during the interview process.

o   Other information that you may voluntarily choose to include on your resume or in connection with your application.

  • Education Information such as institutions attended, degrees, certifications, training courses, publications, and transcript information.

  • Background check information, including any information required to perform a background check in accordance with applicable law, such as citizenship status, and passport or other photo ID.

  • Audio or visual information such as CCTV footage, as well as other information relating to the security of our premises collected during in-person interviews, visits to our offices, or other parts of the recruitment process, or where relevant, audio/video recordings of online interviews. 

  • Health-related information, only as necessary to provide necessary accommodations at your request during the recruitment process.

  • Inferences drawn from the above information about your predicted characteristics and preferences.

  • Other information that directly or indirectly identifies you, such as date and place of birth, citizenship, and permanent residence.

2.   How We Use Personal Information

We have or will collect, use, share, and store Personal Information for Mission Lane’s business purposes, which include, where applicable:

    • Processing, evaluating, and communicating with you about your application, including to check references, carry out background checks where we deem necessary and in compliance with applicable legal requirements, and communicate with you about other jobs that may interest you.

    • Human resources management and administration, including determining compensation, scheduling, fraud prevention and investigation, IT and informational security purposes, conducting internal analyses and audits in accordance with applicable legal requirements.

    • Engaging in the recruitment process, including job advertising, interviewing, testing, and selecting and hiring new personnel.

    • Legal compliance, such as complying with applicable laws, and responding to and cooperating with legal or regulatory requests and investigations.

    • Exercising our legal rights, including seeking legal advice from our external lawyers or in connection with litigation.

    • Performing services (for us or our service provider) such as account servicing, processing orders and payments, and analytics.

  • Internal operations.

  • Activities to maintain and improve our business.

  • Other one-time uses.

We may also use Personal Information for any other legally permitted purpose (subject to your consent, where legally required).

Except where you provide such information voluntarily on your resume or in your application, we do not collect Personal Information that is considered “sensitive” under applicable law during the recruitment process. Such voluntary information may include equal opportunity monitoring data which could include information about your race or ethnicity, religious beliefs, sexual orientation, or health. We only use this information to monitor equality of opportunity and diversity in our recruitment process.

Sensitive information. Note that certain of the information we collect, including race, ethnicity, religious beliefs, sexual orientation, biometrics and health information, is considered "sensitive personal information" under California law.  We only collect such information for the purposes disclosed in this Notice, and not for any purposes for which California law provides a "right to limit" such use.

  1.     How We Share Personal Information

We may disclose certain Personal Information to the following types of entities or in the following circumstances (where applicable):

  • Internally and among Mission Lane affiliates: to employees within the Mission Lane entities that participate in the recruitment process, such as HR managers and employee interviewers.

  • Service Providers: such as travel providers, testing companies, and applicant tracking system providers. These entities process your Personal Information on Mission Lane’s behalf in performing services for Mission Lane, and are subject to restrictions on use of your Personal Information.

  • Recruiters: to the extent you are working with a recruiter in connection with your application for employment and your recruiter is authorized by you to obtain feedback from us regarding your application and interview process.

  • Legal compliance and exercising legal rights: when required to do so by law, regulation, or court order or in response to a request for assistance by the police or other law enforcement agency; and to seek legal advice from our external lawyers or in connection with litigation with a third party.

  • Business Transaction Purposes: in connection with the sale, purchase, or merger of all or a portion of our business.

  • Consent: with your consent and as permitted by law, we may share Personal Information with any other third parties in any other circumstances.

4.   Data Retention 

The Personal Information we collect from Job Applicants will be retained for as long as necessary to satisfy the purposes for which it was collected and our legal obligations.  As described above, these purposes include our business operations (including maintaining your information for a period of time to consider you for other opportunities) and complying with reporting, legal and accounting obligations. In determining how long to retain information, we consider the amount, nature and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure of the Personal Information, the purposes for which we process the Personal Information and whether we can achieve those purposes in other ways, the applicable legal requirements, and our legitimate interests.  If you are offered and accept employment with Mission Lane, the Personal Information we collected during the application and recruitment process as described herein will become part of your employment record. If you do not become an employee, or, once you are no longer an employee of Mission Lane, we will retain and securely destroy your Personal Information in accordance with our document retention policy and applicable laws and regulations.

5.  Additional Privacy Information for California Residents 

California residents have certain rights regarding their Personal Information. Subject to certain exceptions, if you are a California resident, you may request:   

  • access to your Personal Information including the right to know the categories of Personal Information we have or will collect about you and the reason we will or have collected such information;
  • correction of the Personal Information that we have or will hold about you that is inaccurate;
  • deletion or removal of your Personal Information.

You also have the right not to be discriminated against (as provided for in California law) for exercising your rights.

 

Exceptions to Your Rights: There are certain exceptions to these above rights. For instance, we may retain your Personal Information if it is reasonably necessary for us or our service providers to provide a service that you have requested or to comply with law or to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity or prosecute those responsible for that activity.

 

Exercising Your Rights: To exercise one of the rights above, you may contact us as provided below.

 

We will take reasonable steps to verify your identity before responding to a request. In doing so, we may ask you for verification information so that we can match at least two verification points with information we maintain in our files about you. If we are unable to verify you through this method, we shall have the right, but not the obligation, to request additional information from you.

 

California law places certain obligations on businesses that “sell” Personal Information to third parties or “share” Personal Information with third parties for “cross-context behavioral advertising” as those terms are defined under the California Consumer Privacy Act (“CCPA”). We do not “sell” or “share” the Personal Information covered by this Policy and have not done so in the twelve months prior to the effective date of this Policy.

6. How to Contact Us About This Policy

If you have questions about our collection, use, or disclosure of Personal Information, please contact recruiting@missionlane.com

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file.

As set forth in Mission Lane’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law.

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A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

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We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years.

Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.

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