Chargeback Specialist

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COLIBRIX ONE

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2020

💳 Fintech

🏦 Banking

🔌 API

Fintech • Banking • API

COLIBRIX ONE is an all-in-one payments platform and electronic money institution that provides card acquiring, virtual card issuance, business accounts (IBAN/SEPA) and developer-facing payment APIs and solutions. The company is a principal member of Visa and Mastercard and is FCA- and MFSA-authorised, offering scalable, secure payment processing, mass payouts, open banking and compliance-backed infrastructure for businesses and agencies of various sizes.

📋 Description

• Handle incoming chargebacks in accordance with Visa and Mastercard scheme rules • Manage the full dispute lifecycle: first chargeback, representment, pre-arbitration, arbitration, and collaboration / pre-dispute cases • Analyze transaction data to prepare compelling representments and supporting documentation • Manage disputes across a diverse merchant portfolio spanning low - to high-risk profiles and varied business models, including one-off and recurring billing flows • Tailor representment and dispute strategies to the merchant's risk profile and transaction model • Monitor chargeback ratios across merchant activity and identify patterns or spikes that require further investigation • Track merchant performance against scheme monitoring thresholds (Visa VAMP, Mastercard ECM/EFM) and flag emerging risk • Leverage dispute prevention and deflection tools (Ethoca Alerts, Verifi Order Insight / CDRN, Visa RDR) to reduce dispute volume • Collaborate with internal teams - Risk, Settlement, and Compliance • Communicate with issuer banks, acquiring banks, processors, and merchants to resolve dispute-related queries • Continuously evaluate dispute procedures and suggest improvements to increase win rates • Work to strict scheme response deadlines and SLAs without compromising quality • Stay up to date with scheme rules, regulatory updates, and industry best practices in dispute management • Perform any other related duties or responsibilities as assigned

🎯 Requirements

• Minimum 2 years of experience in dispute management, preferably within a PSP, EMI, or acquiring bank • Hands-on experience managing chargebacks for merchants across the full risk spectrum, from low-risk to high-risk verticals • Strong understanding of Visa and Mastercard scheme rules and the end-to-end dispute process • Experience with dispute prevention / deflection tools (Ethoca, Verifi Order Insight / CDRN, RDR) is a strong advantage • Awareness of scheme monitoring programs and thresholds (VAMP, ECM/EFM) and how dispute outcomes affect portfolio ratios • High attention to detail with strong organizational and documentation skills • Ability to analyze transaction flows, spot anomalies, and present findings clearly • Comfortable working in a fast-paced environment and managing multiple cases simultaneously to strict deadlines • Excellent written communication skills in a formal and professional style • Strong problem-solving mindset and ability to work independently while remaining aligned with team goals and guidance • Fluency in English and Russian (additional languages are considered a plus) • Proficiency in Microsoft Office, with strong expertise in Excel highly desirable • Higher education in banking or economics, and experience in a regulated financial environment, are considered a plus

🏖️ Benefits

• Opportunity to shape the future of fintech solutions within a growing company • Collaborative, horizontal team structure that values your expertise and ideas • Continuous learning and development opportunities to enhance your skills and career growth • Competitive salary and benefits package