CBS - AUTHORIZER

Job description

Be #InGoodHands with Metrobank! Here at Metrobank, we don't simply hire employees—we hone future leaders. We provide opportunities that enhance your skills and unlock your talents, helping you evolve into a well-rounded individual. We supply you with all the pieces you need to do your best work, unleashing your full potential to help you secure your future and lead a fulfilling career. And with Metrobank's strong heart for the community, you have the chance to give back and make worthwhile contributions to our nation's economic and social development. With Metrobank, a meaningful life is within your reach! 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