Chargeback and Risk Analyst
Handle disputes, watch chargeback ratios, and keep merchant accounts out of card-brand monitoring programmes.
About the role
A merchant with a rising chargeback ratio does not usually know it until the account is already in trouble. By then the fees have started and the options have narrowed.
This role is about seeing it earlier. You work disputes and alerts day to day — assembling evidence, meeting response deadlines, deciding what is worth contesting and what should simply be refunded. Alongside that you watch the portfolio for the patterns that precede a problem: a promotion that triples volume overnight, a delivery window quietly getting longer, a new sales channel nobody mentioned.
The deadlines here are short and unforgiving. Missing one loses the dispute regardless of how good the evidence was, so this suits somebody who is organised by instinct.
What you will be doing
- Work incoming chargeback alerts and disputes within card network deadlines
- Assemble representment evidence that addresses the specific reason code cited
- Monitor chargeback ratios across the portfolio and flag merchants trending upward
- Contact merchants early about volume spikes, ticket changes and new sales channels
- Recommend refund-versus-contest rules and apply them consistently
- Keep clean records of every dispute and outcome
- Spot fraud patterns and raise them before they become losses
What we need from you
- Authorized to work in the United States
- Based in the United States
- Able to pass a background check after an offer is made
- 2+ years in chargebacks, payments risk, fraud, disputes or a closely related role
- Strong organisation — deadlines here are measured in days, sometimes hours
- Comfortable reading transaction data and spotting what does not fit
- Clear written English for evidence submissions
Nice to have, not required
- Direct experience with Visa and Mastercard dispute reason codes
- Worked inside a card-brand monitoring programme remediation
- Experience with chargeback alert networks
- SQL or spreadsheet analysis skills
What we offer
- Remote, weekday hours
- Own the risk function rather than working a queue somebody else designed
- Training on the tooling we use for alerts and dispute management
- Direct access to the owner
How to apply
The application takes about ten minutes. A resume helps but is not required, and a person reads every one. If your background fits, you will hear from us within about a week — and if it does not, we will still write back.