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CBS - AUTHORIZER

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Position Title:  Authorizer

 

Job Summary

  • The position is responsible for making decisions within set standards on authorization related transactions; providing quality service to acquirers, accredited merchants, affiliated banks and cardholders; detecting and preventing fraud at point of transactions; implementing credit policies on MCC internal programs.

 

Specific Duties & Responsibilities

Issuing Responsibilities

 

  • Facilitates Voice Authorization Requests from the following:
    • Acquiring bank
    • Accredited Merchant (Straight and Installment Transactions)
    • Affiliated Banks – MBTC & PSBank (Cash Advance and Cash Installments)
    • MCC( Internal programs such as Balance Transfer, Cash2Go by Phone, HRP, etc)
  • Coordinates with different Acquiring Banks for various authorization related concerns
  • Ensures posting of cash Advance and Cash Installment transactions
  • Facilitates Transaction Reversals (Online and after batch reversals)
  • Analyzes and evaluates accounts qualified for Force Authorizations
  • Facilitates Force Authorization requests
  • Facilitates rebooking of Installments
  • Listing of Accounts to VISA / MasterCard Negative File
  • Monitors VIP Accounts and escalates declined transactions to immediate supervisor
  • Facilitates card activation and blocking of reported lost cards for call overflow from Customer service.
  • Coordinates with Credit Acquisitions any increase in Credit Limit requests by identified ‘VIP’ clients
  • Communicates reason for decline during Point-of-Sale transactions to selected ‘VIP’ clients and coordinates with concerned department any issue / request that may arise from the conversation.
  • Coordinates with Visa / MC as well as with the cardholder in processing Emergency Services requests:
    • Emergency Card replacements
    • Emergency Cash Disbursement

 

Acquiring Responsibilities

  • Coordinates with different Issuing Banks (Local and International) for Approval, Transaction Reversal, or Special Instructions
  • Ensures that proper card acceptance is followed by accredited merchants
  • Facilitates BIN to Bank Verification
    • Analyzes High Risk or Low Risk Transactions
    • Coordinates with Issuing Banks when needed
    • Relays appropriate response to affiliated merchants
  • Facilitates Code10 handling
    • Gathers necessary information without comprising security issues
    • Coordinates with Issuing bank or Fraud Unit for appropriate actions
    • Relays appropriate information or instructions to affiliated merchants
  • Assists merchants in different issues related to the acquiring business which includes though not limited to:
    • Technical concerns (POS, communication lines, Terminal responses, etc)
    • Affiliation concerns
    • Payment concerns (follow-ups, discrepancies, reconciliations, etc)
    • Supplies concerns (thermal rolls, manual slips, adapter, etc)
  • Assists the Transaction processing Unit in processing of non-posting and late posting of transactions
  • Coordinates with the Merchant Acquiring Team or Merchant Fulfillment team any urgent concerns by the Merchants.

 

Fraud Detection Responsibilities

  • Performs callout or case update on cases and red flags generated by the different fraud detection such as, but no limited to, Falcon 5.2C, Fraud Detection System (FDS) – Issuing and/or Acquiring.
  • Facilitates fraud-related inbound calls such as but not limited to transaction confirmation, security alert and Secure Online Shopping (SOS)
  • Performs temporary blocking of cards for unconfirmed/unauthorized transactions.
  • Performs call-outs for card replacement of compromised accounts
  • Performs addition/deletion of accounts in OAFR.

 

Other Responsibilities

  • Ensures attainment of Service Level Agreements to set standards
    • Grade of Service
    • Abandon Rate
    • Return to Queue Rate
    • Speed of Answer
    • Average Handling Time
  • Prepares monthly and Daily MIS as needed by the Unit
  • Ensure system (CardLink and PABX) are in working condition.
  • Performs special duties as assigned by supervisor

 

Qualifications:

  • Bachelor’s degree holder; preferably graduate of business course
  • Experience in authorizations from a bank or credit card company is an advantage
  • Proficient in the following Microsoft applications: Word, Excel and PowerPoint
  • Knowledge on Cardlink application is an advantage
  • Willing to work onsite 100%  in shifting schedule, weekends and holidays

 

Other Details:

Rank: Rank and File

Unit: Consumer Business Sector / Credit Operations Group / Authorizations, Fraud. and Chargeback Department / Authorizations Section

Location:  Ayala, Makati 

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