Chargeback Risk Analyst

Job Description

The Chargeback Risk Analyst is responsible for managing dispute cases, identifying fraud and operational risks, and ensuring compliance with card network and data-security standards. The role involves analysing transactions, preparing evidence for disputes, working with internal teams and external partners, and supporting strategies that reduce chargebacks and improve overall risk posture.

Responsibilities

• Manage the full chargeback lifecycle, including receiving dispute notifications, investigating claims, gathering  evidence, and submitting representments.
• Liaise with issuing banks, payment processors, and merchants to resolve disputes promptly and accurately.
• Analyse transaction and dispute data to identify trends, root causes, and emerging risk indicators.
• Develop and implement strategies to reduce chargeback ratios and prevent recurring disputes.
• Ensure adherence to Visa, Mastercard, and American Express rules, as well as internal risk and compliance policies.
• Maintain up-to-date knowledge of PCI DSS requirements and support related compliance initiatives.
• Document all chargeback investigations, decisions, and financial impacts.
• Prepare regular reports on win/loss ratios, chargeback trends, and overall risk exposure.
• Collaborate with Customer Service, Finance, Compliance, and IT teams to resolve issues and improve processes.
• Provide training and guidance on chargeback prevention and best practices.
• Use fraud-detection tools and analytical methods to identify high-risk or suspicious transactions.
• Perform other ad hoc duties as required.

Requirements

• Bachelor's degree in Business, Finance, or a related field.
• Minimum 3 years of experience in chargebacks, fraud prevention, risk management, payment operationsor related roles.
• Strong understanding of payment workflows, card-scheme rules, and PCI DSS standards.
• Proficiency in data analysis; Excel or SQL skills are an advantage.
• High attention to detail and accuracy in documentation.
• Strong written and verbal communication skills.
• Experience with chargeback management systems and payment platforms.
• Ability to identify vulnerabilities in payment processes that may lead to fraud or data breaches.
• Ensures secure handling of cardholder data and supports stronger evidence in dispute representments.
• Works with Compliance and IT Security teams to align chargeback-prevention efforts with overall data-security standards.
• Keeps up to date on PCI DSS and card-network requirements to help the company avoid non-compliance risks.