Chargeback Analyst

Job Summary:

We are seeking a seasoned professional to join our team as a Chargeback Analyst. As a key member of our operations department, you will play a vital role in minimizing financial losses for the bank, merchants, and cardholders by implementing robust chargeback management processes and optimizing dispute resolution efficiency.

About the Role:

• Investigate disputes thoroughly and ensure accurate documentation to defend against unwarranted chargebacks.
• Analyze dispute data to identify high-risk merchants, transaction types, or patterns leading to chargebacks.
• Collaborate with merchants to implement fraud prevention tools and best practices to reduce disputes.
• Design, implement, and continuously improve operational processes for chargeback handling and dispute resolution.

Responsibilities:

1. Handle daily chargeback cases promptly to minimize financial exposure for the bank, merchants, and cardholders.
2. Identify trends and root causes of disputes, recommending corrective actions to acquiring merchants and internal teams.
3. Share regular insights with stakeholders to improve dispute win rates and reduce loss ratios.
4. Maintain strong financial controls, ensuring compliance with internal risk policies and regulatory requirements.
5. Partner with product, promotions, and operations teams to assess risk impact of new initiatives and campaigns.
6. Provide input during product design and rollout to ensure risk controls are embedded from inception.

Compliance & Quality Monitoring:

• Ensure adherence to Visa, Mastercard, JCB, CUP, Diners, and other card scheme chargeback regulations.