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Australian Financial Complaints Authority

Independent ombudsman for financial complaints

Dispute Resolution Specialist - Scams

Risk & ComplianceConfirmed live in the last 24 hours
Full-timeMelbourne VIC, AustraliaNo salary listed

About the Job

Requirements

  • Relevant experience in dispute resolution, complaint assessment, regulatory work, or comparable work applying complex legislative or regulatory frameworks.
  • Strong investigative and analytical skills, including the ability to weigh competing accounts and identify material issues.
  • Ability to write clear, well-reasoned outcomes and explain complex financial and technical information in plain English.
  • Negotiation and conciliation skills focused on practical and fair outcomes.
  • Trauma-informed communication skills and the ability to build trust and manage sensitive conversations with empathy and clarity.
  • Understanding of multi-party complaints and scam typologies across banking, telecommunications, or digital platforms, or the ability to build this understanding quickly.
  • Strong organisation and attention to detail across a varied caseload.
  • Proficiency with case management systems and careful handling of sensitive information, with openness to approved technology and AI tools, critical judgement, and accountability for results.
  • Curiosity and adaptability in a new scheme where processes will evolve.

Responsibilities

  • Investigate and resolve scam complaints under the Scams Prevention Framework by reconstructing scams and transactions, assessing regulated entities' conduct against their obligations, and reaching fair, timely outcomes through negotiation, conciliation, or a reasoned preliminary assessment.
  • Own each complaint until it is resolved or accepted by a decision maker.
  • Provide consumers with a caring, trauma-informed, human-centred experience throughout the complaint process.
  • Keep consumers informed through regular plain-language updates, explain complex material such as transaction records, and set realistic expectations about processes and outcomes.
  • Recognise consumer distress, safety concerns, and participation barriers; make reasonable adjustments and involve Participation Support or escalate when required.
  • Build on information consumers have already provided to AFCA, prepare them for difficult conversations or outcomes, and offer choices for participation to minimise repetition and re-traumatisation.
  • Manage a caseload of scam complaints involving one or more regulated entities, owning investigation, progression, and resolution within delegation.
  • Reconstruct scam and transaction chronologies, identify disputed issues, and plan proportionate enquiries.
  • Obtain and critically assess information from parties, testing gaps, inconsistencies, and competing accounts.
  • Assess each entity's conduct against its Scams Prevention Framework obligations, the relevant sector code, AFCA Rules, and guidance.
  • Seek advice from Senior Dispute Resolution Technical Leads, Legal, Jurisdiction, and IIU; review jurisdiction and involved entities as information emerges; and ensure material relied on is shared through a fair process.
  • Resolve complaints through negotiation and conciliation where possible, recording clear terms for each entity and what remains unresolved.
  • Prepare and communicate well-reasoned preliminary or merits assessments within delegation, give parties a fair opportunity to respond, and record the steps taken.
  • Identify and refer potential systemic issues, reportable matters, and service complaints.
  • Record clear findings about each entity's conduct and whether Scams Prevention Framework obligations were met, informing AFCA's insights on scam prevention.
  • Record complaint information, findings, and data accurately, consistently, and on time, and manage sensitive information in line with confidentiality, privacy, and access requirements.
  • Escalate matters requiring specialist advice, senior review, or an authorised decision maker, who makes any binding determination.

About the Company

Australian Financial Complaints Authority

Independent ombudsman for financial complaints

The Australian Financial Complaints Authority resolves disputes between consumers or small businesses and financial firms through a free, independent ombudsman service. It considers complaints about banking, loans, insurance, investments, financial advice and retirement savings that firms have not resolved through their internal complaints process. The scheme brings these disputes into a single service and makes decisions that are binding on financial firms. It operates as a private nonprofit, funded by contributions from member firms through levies and complaint fees. Established in 2018, the organisation is headquartered in Melbourne, Victoria.

Company size
1,001-5,000
Company stage
Not listed
Total funding
Not listed
Headquarters
Melbourne, Australia
Founded
2018

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