Risk Operations Analyst (Chargebacks & Payments Disputes)

Job Description

We are seeking a detail-oriented Risk Operations Analyst to join a leading technology company's E-commerce Payments & Risk Operations team.

Key Responsibilities

• Manage daily chargeback and payment dispute queues, ensuring 100% adherence to response deadlines.
• Prepare and submit compelling evidence packages (representment) to challenge invalid disputes.
• Investigate payment disputes using transaction records, order details, shipping confirmations, refund history, and customer interactions.
• Manage the complete dispute lifecycle, including retrieval requests, pre-arbitration, arbitration, and pre-dispute alerts.
• Identify fraudulent transactions, friendly fraud, and emerging abuse patterns.
• Analyze dispute trends and recommend improvements to fraud prevention processes.
• Collaborate with Payments, Fraud, Customer Experience, and Fulfillment teams.
• Maintain accurate case documentation and audit trails.

Required Skills & Qualifications

• 2+ years of hands-on chargeback or payment dispute management experience.
• Working knowledge of Visa, Mastercard, American Express, and Discover dispute rules and reason codes.
• Experience with payment processor dispute portals and representment.
• Proficiency in SQL and Excel or Google Sheets.
• Excellent analytical, written communication, and problem-solving skills.
• Ability to manage high-volume workloads and strict deadlines independently.

Preferred Skills

• Experience with Ethoca, Verifi, RDR, or Order Insight.
• Knowledge of VAMP and Mastercard ECM monitoring programs.
• E-commerce or consumer electronics industry experience.
• Familiarity with AI tools and workflow automation.

Must-Have HARD Skills

Analytical and data driven Tangible skills we can pick out on the resume

XFN management and coordination

Written communication skills

Nice-to-have Skills

Prior e-commerce experience

Operational experience

Chargeback management experience, AI tools and automation

Additional Information

This is a contractor position requiring flexibility and the ability to work independently while delivering high-quality results within deadlines. If you are passionate about e-commerce operations, have a keen eye for detail, and thrive in a dynamic, collaborative environment, we encourage you to apply.