CBS - AUTHORIZER

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

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
• 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
• 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.
• 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
• 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