Risk & Fraud Specialist

Payments Risk & Fraud Specialist

Payva — Minneapolis, MN (In-Office)

Payva is a modern financing platform built for digital creators. We help creators offer flexible pay-over-time financing to their customers for high-ticket digital products, programs, and services — making it easier for creators to grow faster with better payments.

We’re looking for a sharp, detail-obsessed Payments & Fraud Specialist to own and manage our dispute and chargeback function end-to-end. If you love digging into transaction issues, building airtight evidence cases, and keeping payment systems healthy and compliant… you’ll fit right in.

As a Payments Risk & Fraud Specialist, you’ll oversee the full lifecycle of chargebacks — from monitoring disputes to gathering merchant documentation and submitting evidence to banks.

This role is critical to protecting Payva’s payment infrastructure and ensuring we stay in good standing with processors, card networks, and banking partners as we scale.

• Monitoring chargeback and dispute activity daily across payment platforms
• Owning the end-to-end chargeback workflow, from notification through resolution
• Coordinating directly with merchants to collect supporting documentation (contracts, communications, refund policies, proof of service, etc.)
• Preparing and submitting dispute evidence packages to issuing banks and card networks
• Tracking win rates, chargeback trends, and operational risk metrics
• Ensuring Payva remains within acceptable chargeback thresholds and processor ratios
• Managing MID distribution and balancing volume appropriately to reduce exposure
• Partnering with payment processors to maintain compliance and strong relationships
• Identifying root causes of disputes and helping implement prevention strategies
• Building internal processes and reporting as we scale (you’ll help define the playbook)

Qualifications:

• 2+ years of experience in chargebacks, dispute operations, payments risk, or fraud-related roles
• Strong understanding of card network dispute processes (Visa, Mastercard, AmEx)
• Experience working with merchants or clients to gather evidence and documentation
• Highly organized with extreme attention to detail and follow-through
• Comfortable managing operational metrics and staying ahead of thresholds
• Ability to work independently in a fast-paced startup environment

Bonus points if you’ve worked in:

• BNPL, fintech, or high-volume payments environments
• High-risk merchant portfolios or creator economy platforms
• Fraud monitoring or risk tooling alongside chargeback operations

• In-office team culture in the Tractor Works Building (North Loop Minneapolis)
• High ownership, real responsibility, and room to grow fast
• Work at the intersection of payments + creators + fintech
• A startup that moves quickly but cares deeply about doing things right