The Payments and Risk Specialist will primarily focus on managing disputes, chargebacks, and other payment-related queries. This individual will be responsible for handling card disputes, investigating chargebacks, and proactively working to mitigate financial risks. They will also support the optimization of payment processes and provide insights into payment performance trends. The Payments and Risk Specialist will collaborate with internal teams such as Customer Success, Compliance, and Onboarding to ensure seamless payment operations while minimizing risk.
REPORTS TO
Sr. Director, Customer Support
JOB DUTIES AND RESPONSIBILITIES
- Dispute and Chargeback Management: Investigate and resolve chargebacks and card disputes, ensuring compliance with relevant card network rules (Visa, Mastercard, etc.)
- Fraud Detection: Analyze transaction data to detect potential fraud trends and take action to reduce fraud losses
- Customer Communication: Reach out to customers in instances of suspicious activity to conduct investigations and gather necessary information
- Payment Optimization: Collaborate with internal teams to optimize payment processes and ensure efficient transaction management
- Regulatory Compliance: Ensure compliance with relevant payment regulations and card scheme rules. Work closely with external partners and vendors to maintain compliant processes
- Risk Mitigation: Work with the Director of Risk and cross-functional teams to implement new processes that minimize risk exposure while enhancing payment functionality
- Audits and Reporting: Assist in audits and provide regular reports on dispute resolution, fraud detection, and payment performance
The duties and responsibilities outlined above are not a comprehensive list and additional tasks may be assigned from time to time based on business needs.
REQUIREMENTS AND QUALIFICATIONS
- 3+ years of experience with payment processing systems, card dispute handling, and chargeback processes
- Familiarity with payment schemes and card network regulations (e.g., Visa, Mastercard)
- Knowledge of US and international payment regulations and dispute resolution
- Strong problem-solving and analytical skills, with a focus on using data to drive decision-making
- Strong communication skills that foster collaboration and partnership among internal and external stakeholders
- Ability to work independently, prioritize tasks, and meet deadlines
- Experience with fraud detection and risk management is a plus
- Availability to work a Tuesday – Saturday shift
WHAT WE OFFER
- Base Salary ($75,000 – $85,000)
- New hire stock grant
- 100% employer paid medical, dental, and vision insurance for you and your dependents
- 401K plan with company contribution
- Generous PTO and Parental Leave policies
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