Banking Analyst - Chargeback & Payments Operations

Banking Analyst / Chargeback & Payment Operations

Illumia is an industry leader bringing the best integrated technology solutions to education, healthcare, and business campuses worldwide. Be a part of this exciting new partnership, committed to transforming organizations and improving the lives of people doing mission‑critical work.

We strive to provide the very best customer experience in the industry and have succeeded with a single, strong motivating principle:
We serve our user community.

Our success and growth are directly attributed to our people. Our company is dedicated to fostering a culture of integrity, respect, and continuous personal development. We maintain an entrepreneurial spirit, where creativity, innovative problem solving, and learning agility drive our day‑to‑day actions.

The Banking Analyst, with a strong emphasis on chargeback management, is responsible for overseeing end‑to‑end chargeback case processing, ACH return reviews, compliance assessments, and daily banking activities. This role requires a business‑oriented mindset with the ability to think strategically and operate with a leadership approach to ensure resolution, risk management, and stakeholder communication. This role reports directly to the Sr. Manager of Banking Operations and collaborates closely with Client Success, Support, Sales, and other internal operational teams to ensure high client satisfaction and alignment with regulatory and organizational standards.

This role serves as a key escalation point for chargeback related inquiries and provides guidance to client‑facing support teams. The Banking Analyst plays a critical role in ensuring the accuracy, efficiency, and compliance of all payment‑related activities within Illumia. This position is designed for a detail‑oriented professional who thrives in a fast‑paced environment and is passionate about delivering operational excellence. The ideal candidate will be the backbone of Chargeback related disputes, inquiries, and other payment operations transaction processing serving as a trusted resource for internal teams.

• Chargeback Disputes
• Payment Operations Manage and Monitor Client Payment Activities
• Handle Escalations, Investigate and Report
• Drive Improvements
• Support Broader Corporate Vision

Your responsibilities will include monitoring compliance activities, managing investigations, own rebuttals to completion and contributing to process improvements that strengthen our risk management framework.

You will be an integral part of the Banking Operations team. In this role, you will work closely with Banking Operations leadership, Compliance, Legal, Support and Success teams to ensure proper processing of chargebacks and adherence to card processing requirements and related compliance standards. You will collaborate across multiple departments including Operations, Accounting, Client Success, Product, and Professional Services to identify, track, and resolve chargeback related issues.

• Own and manage the full lifecycle of credit card chargeback disputes, including investigation, evidence gathering, submission, and outcome monitoring.
• Analyze ACH returns and ensure proper coding, documentation, and compliance alignment.
• Research, analyze, and respond to credit card chargeback inquiries; produce chargeback analysis summaries and reports.
• Perform daily banking operations including ACH processing, wires, payment postings, and reconciliation activities.
• Act as an escalation point for complex disputes or banking issues; provide executive summaries and recommendations.
• Develop and maintain chargeback reporting dashboards, analysis, risk assessments and handle ACH transfer rejections.
• Collaborate cross‑functionally with Client Success, Support, and Sales to ensure timely and accurate client communication regarding disputes, inquiries and other banking‑related matters.
• Identify and implement process improvements related to chargeback workflows, ACH return management, and overall banking operations.
• Ensure adherence to NACHA, card network, and internal compliance standards.
• Maintain high‑quality documentation and audit‑ready records for all dispute and banking processes.
• Maintains…