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Mercuryo · 3 hours ago

Chargeback Specialist

United States

Full-time

Remote

Mid Level

Mercuryo is a company on a mission to redefine finance by integrating traditional banking with decentralized finance. They are seeking a Chargeback Specialist to manage and improve chargeback and dispute operations, focusing on loss mitigation and proactive prevention.

CryptocurrencyFinancial ServicesFinTech

Responsibilities

Act as a subject matter expert on chargeback and dispute processes, providing guidance to internal teams and merchants on dispute prevention, best practices, and effective defense strategies

Own the end-to-end chargeback lifecycle, including intake, analysis, evidence preparation, submission, and follow-up with processors, acquirers, and card schemes

Prepare and submit high-quality, compelling dispute documentation to maximize win and recovery rates

Maintain up-to-date knowledge of card scheme rules and regulations, including disputes, pre-arbitration, arbitration, and compliance requirements

Analyze chargeback and dispute data to identify patterns, trends, and underlying drivers of disputes and losses

Translate findings into clear, actionable insights and recommendations to support fraud prevention initiatives and dispute reduction

Maintain a strong understanding of dispute root causes and proactively contribute to preventive measures aimed at reducing recurrence and overall losses

Execute chargeback and dispute processes with a strong focus on maximizing recovery rates and minimizing financial losses

Identify illegitimate, abusive, or friendly fraud disputes and ensure they are appropriately challenged

Monitor dispute outcomes, recovery performance, and scheme thresholds to proactively manage financial and compliance risk

Work closely with the Risk / Anti-Fraud team to continuously improve chargeback handling, fraud detection approaches, and funding workflows

Support day-to-day risk operations by providing statistics, insights, and analysis related to disputes and losses

Participate in periodic reviews of internal processes to strengthen controls and improve dispute and fraud prevention effectiveness

Identify process gaps and opportunities for automation within chargeback and dispute workflows

Contribute to scaling dispute operations by streamlining manual processes and improving cost efficiency

Support the development and enhancement of internal tools, dashboards, and reporting related to disputes

Qualification

Chargeback managementDispute resolutionFraud preventionData analysisCard scheme knowledgeData visualization toolsCommunication skillsTeam collaborationProblem-solving

Required

Proven experience in chargeback and dispute management within a payments, financial services, or digital commerce environment

Strong understanding of card scheme rules, dispute reason codes, evidence requirements, and dispute timelines

Hands-on experience with dispute evidence frameworks, such as Visa Compelling Evidence 3.0, and an understanding of how evidence standards impact win rates

Familiarity with chargeback thresholds, monitoring programs, and scheme risk requirements, including ratio limits and early warning signals

Experience working with data visualization tools and analytics dashboards (e.g. Tableau, Metabase or similar) to monitor dispute volumes, trends, and recovery performance