Role Description We’re looking for a Team Leader who cares deeply about people, supports their growth, and creates an environment where the team can thrive and deliver their best work. The ideal candidate knows how to assign different types of tasks to match individual strengths, ensures that each team member has a clear role and contributes effectively, and supports the team’s development and performance. - Own communication with stakeholders and other teams, structure requirements, set priorities, and assure delivery commitments. - Manage the team effectively, understanding each member’s strengths and weaknesses, and assign tasks based on their abilities and development goals. - Own team capacity planning—tracking load, forecasting needs, and ensuring new hires, processes and tools are in place before capacity becomes a bottleneck. - Conduct regular 1:1 meetings, performance reviews, and implement measures to improve team performance as needed. - Experience facilitating performance reviews, feedback sessions, and professional development planning. - Experience conducting code reviews focused on maintaining quality and supporting engineers’ growth. - Proven experience participating in hiring and interviews to help build strong, well-balanced teams. - Understanding of Linux system. - Knowledge of algorithms and data structures. - Ability to design and oversee the architecture of software systems, ensuring scalability, maintainability, and performance. - Decent level of written and spoken English to work in an international environment. - In-depth knowledge and expertise in real-time development with sub-microsecond latency. - Experience in HFT, telecommunication, game development, or any other field that works with limited resources and optimization. - Solid understanding of modern C++ development and engineering processes. - Knowledge of networks and interaction protocols. - Proficient in using version control systems and continuous integration/continuous deployment (CI/CD) tools. Benefits - A welcoming group of highly qualified international professionals - Cutting-edge hardware and technology - Work remotely from anywhere in the world - Access any of our global offices anytime - Flexible schedule - 40 paid days off - Competitive salary

Role Description As a Chargeback Specialist, you will manage the end-to-end card dispute process within an acquiring environment under Visa and Mastercard schemes. You will analyze transactions, prepare representments, and collaborate with banks and merchants to resolve disputes and improve win rates. The role also involves monitoring chargeback trends across a diverse merchant portfolio, supporting risk mitigation efforts, and ensuring compliance with scheme rules in a fast-paced fintech setting. Key Responsibilities - Handle incoming chargebacks in accordance with Visa and Mastercard scheme rules - Manage the full dispute lifecycle: first chargeback, representment, pre-arbitration, arbitration, and collaboration / pre-dispute cases - Analyze transaction data to prepare compelling representments and supporting documentation - Manage disputes across a diverse merchant portfolio spanning low - to high-risk profiles and varied business models, including one-off and recurring billing flows - Tailor representment and dispute strategies to the merchant's risk profile and transaction model - Monitor chargeback ratios across merchant activity and identify patterns or spikes that require further investigation - Track merchant performance against scheme monitoring thresholds (Visa VAMP, Mastercard ECM/EFM) and flag emerging risk - Leverage dispute prevention and deflection tools (Ethoca Alerts, Verifi Order Insight / CDRN, Visa RDR) to reduce dispute volume - Collaborate with internal teams - Risk, Settlement, and Compliance - Communicate with issuer banks, acquiring banks, processors, and merchants to resolve dispute-related queries - Continuously evaluate dispute procedures and suggest improvements to increase win rates - Work to strict scheme response deadlines and SLAs without compromising quality - Stay up to date with scheme rules, regulatory updates, and industry best practices in dispute management - Perform any other related duties or responsibilities as assigned Qualifications - Minimum 2 years of experience in dispute management, preferably within a PSP, EMI, or acquiring bank - Hands-on experience managing chargebacks for merchants across the full risk spectrum, from low-risk to high-risk verticals - Strong understanding of Visa and Mastercard scheme rules and the end-to-end dispute process - Experience with dispute prevention / deflection tools (Ethoca, Verifi Order Insight / CDRN, RDR) is a strong advantage - Awareness of scheme monitoring programs and thresholds (VAMP, ECM/EFM) and how dispute outcomes affect portfolio ratios - High attention to detail with strong organizational and documentation skills - Ability to analyze transaction flows, spot anomalies, and present findings clearly - Comfortable working in a fast-paced environment and managing multiple cases simultaneously to strict deadlines - Excellent written communication skills in a formal and professional style - Strong problem-solving mindset and ability to work independently while remaining aligned with team goals and guidance - Fluency in English and Russian (additional languages are considered a plus) - Proficiency in Microsoft Office, with strong expertise in Excel highly desirable - Higher education in banking or economics, and experience in a regulated financial environment, are considered a plus Benefits - Opportunity to shape the future of fintech solutions within a growing company - Collaborative, horizontal team structure that values your expertise and ideas - Continuous learning and development opportunities to enhance your skills and career growth - Competitive salary and benefits package

• Support the Training Director in implementing a comprehensive staff curriculum through skill sessions and management of the company LMS • Develop and facilitate one-off and curriculum-based training sessions for staff and other audiences across multiple platforms (virtually and in-person) • Work collaboratively with program staff, company leadership, partners, and clients to design customized internal and external training programs to support their priorities • Track and report qualitative and quantitative outcomes of training programs • Coordinate scheduling and logistics for trainings

Title: Senior Mortgage Underwriter - (Remote) Location: Sacramento United States Job Description: Location Options: This position is fully remote within Zions Bancorporations footprint. We are seeking a highly skilled Senior Mortgage Underwriter with active FHA DE and VA SAR designations to join our team. In this role, you will apply advanced underwriting expertise to evaluate and decision residential loan applications while ensuring adherence to company guidelines and regulatory requirements. This position involves working with partners on complex matters, making strong communication skills, professionalism, and sound judgment essential. Key Responsibilities - Review, analyze, and underwrite residential mortgage applications according to company policies, investor standards, and regulatory requirements. - Analyze income, assets, credit documentation, employment history, credit reports, debt ratios, and loan-to-value (LTV) metrics to determine borrower creditworthiness. - Evaluate the collateral/property appraisal when applicable. - Recommend loan terms or conditions as necessary. - Review system-generated documentation and ensure completeness and accuracy. - Gather additional information when needed to support loan decisions. - Communicate lending decisions and respond to inquiries from affiliate banks, loan centers, and branch personnel. - Maintain accountability for risk elevation and adherence to underwriting policies and procedures. - Exercise independent judgment on unusually complex problems. - Stay abreast of changes to federal and state laws/regulations affecting consumer lending. - Perform other duties as assigned. Qualifications - 5+ years' experience with government mortgage underwriting (FHA and VA). - 5+ years' experience with agency and/or portfolio mortgage underwriting. - Active FHA DE and VA SAR designations are required. - Proficiency with mortgage software and related tools, including Encompass 360 (LOS), Desktop Underwriter (DU), and Loan Product Advisor (LPA). - Extensive knowledge of mortgage credit, underwriting concepts, and loan documentation. - Proven ability to review and analyze complex income scenarios, assets, credit reports, debt ratios, and LTV calculations. - Strong understanding of federal and state consumer lending regulations. - Ability to make sound, consistent credit decisions with a high degree of accuracy. - Exceptional attention to detail and ability to maintain quality while managing high loan volume. - Strong written and verbal communication and customer service skills. - Ability to handle confidential information professionally. Benefits - Salary range: $39.56 - $58.03 per hour depending on experience plus a performance-based incentive plan. - Medical, Dental and Vision Insurance - START DAY ONE! - Life and Disability Insurance, Paid Parental Leave and Adoption Assistance. - Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts. - Paid Training, Paid Time Off (PTO). (PTO covers both sick and vacation days without distinguishing between them), 11 Paid Federal Holidays, and any applicable state holidays. - 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience. - Mental health benefits including coaching and therapy sessions. - Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire. - Employee Ambassador preferred banking products.