Senior Disputes Operations Associate

🕒 March 27

🇺🇸 United States – Remote

💵 $79.8k - $86.2k / year

⏰ Full Time

🟠 Senior

⚙️ Operations

🦅 H1B Visa Sponsor

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Acorns

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2012

💳 Fintech

👥 B2C

Fintech • B2C

Acorns is a financial technology company that helps individuals save and invest their money through a variety of automated features. By using spare change from everyday purchases, Acorns offers a seamless way to start investing with its Round-Ups® feature and expert-built diversified portfolios. The company also provides additional services such as Acorns Later for retirement savings and Acorns Early for children's investment accounts. Acorns offers a smart money app with easy-to-use features designed to grow money skills among users, including a Bitcoin-linked ETF for cautious cryptocurrency exposure and ESG portfolios for sustainable investing. While Acorns is not a bank, it partners with financial institutions to offer Visa™ debit cards as part of their comprehensive financial service offerings.

📋 Description

• Lead end-to-end resolution of complex transaction disputes, from investigation to final decision. • Liaise with customers and merchants to provide timely and accurate notice on cases. • Manage the lifecycle of filing, tracking and reconciliation of chargebacks, ensuring adherence to compliance protocol across Regulation E, NACHA rules, and Visa Operating Regulations. • Analyze data to pinpoint patterns for emerging merchant and fraud trends, reporting findings and recommendations to leadership. • Strategize and collaborate with leadership, cross-functional teams, external vendors and peers to improve internal processes, workflows, and preserve product health by identifying areas of opportunity to automate and streamline Dispute Operations. • Serve as a subject matter expert for the Banking Operations team, provide guidance on complex cases, monitor industry and regulatory rules updates, and maintain up-to-date Standard Operating Procedures (SOPs) with an acute attention to detail. • Assist leadership with formal complaint filing and other ad hoc requests.

🎯 Requirements

• 2+ years of experience in disputes, investigations, chargebacks, and banking operations, preferably within a FinTech environment. • Mastery of Regulation E and NACHA rules with extensive experience of Visa card rules (VCORE) and chargeback lifecycles. • Competency with Excel or similar data analysis programs, with the ability to interpret data to drive decision-making. • Experience collaborating with Risk Analysts to develop and improve controls, specifically regarding BIN blocks and analyzing merchants to mitigate financial loss. • Excellent written and verbal communication skills, with the ability to articulate complex regulatory concepts to stakeholders, provide excellent customer service, and create and upkeep comprehensive documentation on department procedures and operations. • A strategic mindset for improving processes and workflows to achieve efficient, scalable results. • Hunger to deliver game-changing products and results. • Exceptional drive and precision in delivery while balancing customers' experience. • A belief that your work is tied to your life's mission. • Optimism about the potential of societal change.

🏖️ Benefits

• Competitive salary and stock options. • A comprehensive benefits package for you and your family. • Flexible work location, hours, and paid time off. • 401(k) matching. • Monthly Acorns account contribution & GoHenry account for your family. • Mindfulness and Financial Wellness resources, Headspace and Addition Wealth. • Acorns Career Development Program (Ongoing training sessions, development plans, development check-ins, Cornerstone’s online training platform). • Roots Leadership Program for Emerging Leaders. • Community week onsite gatherings and various virtual events. • Talented and motivated team members who care deeply about one another, our mission, and our customers. • The rare opportunity to create a new world. We inspire one another every day to do meaningful work that solves big societal challenges.