I am curious as to how other banks manage their disputes, specifically Reg E, Reg Z and just general merchant disputes (Visa/MasterCard). Do you have all disputes managed in one department (ACH, ATM, debit card, credit card, commercial cards, prepaid, etc) or do you separate them. Why have you opted to organize/manage disputes as you have? Do you have a centralized process for the intake of disputes (e.g., one form or system where dispute information is gathered and then pushed out to the associates who actually process the dispute), or do you have separate intake processes depending on the type of EFT involved?

Based on your post there are a lot of variables in play. Give us some information about your institution such as bank size, number of locations and any other useful information. This information may help you get better information.

done in the back office departments where the item is destined...so, if a card dispute, done in cards, if ACH dispute, in ACH, if check dispute, items processing. etc. Intake is normally via a branch or our call center, and they have various forms for which type of dispute and they route internally via an intranet page once the customer has completed.