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Chargeback Specialist
Location
Poland
Posted
3 days ago
Salary
0
Seniority
Mid Level
Job Description
Chargeback Specialist
COLIBRIX ONE
• 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
Job Requirements
- 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
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