Chargeback and Risk Analyst

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.

• 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

• 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