Chargeback Analyst

Vintti is a cutting-edge staffing agency revolutionizing the way US companies build their teams. Leveraging advanced technology and embracing the power of remote work, we connect SMBs, startups, and firms across the United States with top-tier talent from Latin America. Our platform seamlessly integrates professionals into US business ecosystems, regardless of physical borders. Vintti operates on the principle of a borderless future of work, where skills and expertise trump geographical constraints.

A Chargeback Analyst is a professional dedicated to managing and resolving disputes related to chargebacks on transactions. They analyze chargeback claims, investigate the validity of disputes, and work to recover lost revenue for their organization. Chargeback Analysts collaborate with various departments, including finance, sales, and customer service, to gather necessary documentation and evidence. Their role involves identifying trends and patterns in chargeback data to prevent future losses, ensuring compliance with industry regulations, and contributing to the overall financial health of the business.

- Bachelor’s degree in Finance, Business, Accounting, or related field.
- Minimum of 2-3 years of experience in chargeback analysis or a similar role in the financial services industry.
- Strong understanding of chargeback processes, rules, and regulations.
- Proficiency in using chargeback management software and databases.
- Advanced analytical and problem-solving skills.
- Exceptional attention to detail and accuracy.
- Excellent written and verbal communication skills.
- Ability to effectively communicate with merchants, customers, and banks.
- Knowledge of fraud detection and prevention techniques.
- Proficiency in Microsoft Office Suite, particularly Excel.
- Strong organizational and time-management abilities.
- Ability to manage multiple tasks and prioritize workload under pressure.
- Experience with root cause analysis and developing preventative strategies.
- Familiarity with industry standards and compliance requirements.
- Ability to work independently and collaboratively in a team environment.
- Continuous learning mindset to stay updated on chargeback rules and best practices.

- Review daily chargeback reports and transaction data.
- Analyze disputed transactions for chargeback validity.
- Gather documentation and evidence for chargeback disputes.
- Communicate with merchants, customers, and banks to resolve disputes.
- Prepare and submit chargeback rebuttal letters and supporting documents.
- Monitor open chargeback cases and follow up on resolutions.
- Update internal systems with chargeback case details and outcomes.
- Collaborate with the fraud prevention team on potential fraud trends.
- Provide feedback to improve chargeback processes and policies.
- Conduct root cause analysis on chargeback issues.
- Maintain knowledge of industry chargeback standards and regulations.
- Participate in training on new chargeback rules and best practices.
- Assist with auditing and reconciliation of financial records related to chargebacks.
- Analyze and generate reports on chargeback metrics and trends.
- Educate merchants on best practices to minimize chargebacks.

The ideal candidate for the Chargeback Analyst role will possess a bachelor’s degree in Finance, Business, Accounting, or a related field with a minimum of 2-3 years of experience in chargeback analysis or a similar capacity within the financial services industry. They will have an in-depth understanding of chargeback processes, rules, and regulations, coupled with proficiency in chargeback management software and databases. This candidate will demonstrate advanced analytical and problem-solving skills, embodying exceptional attention to detail and accuracy, which are pivotal in scrutinizing disputed transactions and preparing comprehensive chargeback rebuttals. Their excellent written and verbal communication skills will enable them to effectively liaise with merchants, customers, and banks to resolve disputes and provide education on minimizing chargebacks. A proactive, detail-oriented individual, they can navigate tight deadlines and high-stress situations with strong organizational and multitasking abilities. They will have a continuous learning mindset, staying updated on industry standards, regulations, and best practices. Their proven ability to conduct root cause analysis and develop preventative strategies, combined with a collaborative spirit, strong ethical standards, and a resourceful approach to identifying and mitigating issues, sets them apart. The ideal candidate will be customer-focused with robust interpersonal skills, adept at handling confidential information with discretion, and will show a strong sense of accountability and ownership over their tasks, driving towards achieving company targets and objectives.

- Review and analyze daily chargeback reports and transaction data.
- Investigate disputed transactions to determine the validity of the chargeback claim.
- Gather necessary documentation and evidence to dispute invalid chargebacks.
- Communicate with merchants, customers, and banks to resolve chargeback disputes.
- Prepare and submit formal chargeback rebuttal letters and supporting documents.
- Monitor the status of open chargeback cases and follow up on pending resolutions.
- Update internal systems with details and outcomes of chargeback cases.
- Collaborate with the fraud prevention team to identify and mitigate potential fraud trends.
- Provide insights and feedback to improve internal chargeback processes and policies.
- Conduct root cause analysis to identify common chargeback issues and develop preventative strategies.
- Maintain knowledge of industry standards, regulations, and compliance requirements related to chargebacks.
- Participate in regular training sessions to stay updated on new chargeback rules and best practices.
- Assist with auditing and reconciliation of chargeback-related financial records.
- Generate and analyze reports to track chargeback performance metrics and trends.
- Educate merchants on best practices to minimize chargebacks and improve transaction integrity.

- Detail-oriented with a high degree of accuracy
- Strong analytical and critical thinking capabilities
- Proactive and self-motivated
- Excellent written and verbal communication skills
- Effective in stressful situations and under tight deadlines
- Strong organizational and multitasking abilities
- Team-oriented with strong collaboration skills
- Customer-focused with strong interpersonal skills
- Adaptable and willing to learn new procedures and technologies
- Results-driven with a focus on achieving targets and objectives
- Ethical with a strong understanding of compliance standards
- Resourceful and able to identify and mitigate potential issues
- Strong problem-solving skills with a logical approach
- Ability to handle confidential information with discretion
- Strong sense of accountability and ownership of tasks

- Competitive salary range
- Comprehensive health, dental, and vision insurance
- 401(k) retirement plan with company match
- Paid time off (PTO) including vacation, sick leave, and holidays
- Flexible working hours and remote work options
- Professional development and training programs
- Opportunities for career advancement and growth within the company
- Employee wellness programs and resources
- Life and disability insurance coverage
- Employee assistance programs (EAP)
- Tuition reimbursement for continued education
- Monthly or quarterly performance bonuses
- Collaborative and inclusive work environment
- Onsite gym or fitness memberships (if applicable)
- Commuter benefits or transportation reimbursement (if applicable)
- Discounts on company products and services
- Regular team-building and company-wide events