Chargeback Monitoring Specialist
Remote
Description
We’re looking for a Chargeback Monitoring Specialist to join our Compliance team and take ownership of chargeback and fraud-related cases across our payment operations. This is a hands-on role for someone who enjoys digging into transaction details, making well-grounded dispute decisions, and working closely with payment partners and internal teams. You’ll combine case investigation and dispute preparation with monitoring risk trends and helping us continuously improve the way we manage fraud and chargebacks.
Responsibilities:
- Monitor, investigate, and process chargeback and fraud-related cases in line with internal procedures
- Analyse chargebacks and determine whether a case should be disputed or accepted
- Prepare dispute forms, representments, and all required supporting documentation
- Submit disputes and provider responses within applicable deadlines and track case outcomes
- Handle customer claims, collaboration requests, and provider evidence requests
- Coordinate with merchants, payment providers, and internal teams to obtain missing information and resolve operational cases
- Review transaction details, identify inconsistencies, and determine appropriate next steps
- Monitor fraud and chargeback trends and ratios against provider and card scheme thresholds
- Maintain accurate case records, provider fee information, thresholds, and operational registers
- Support improvements to chargeback and fraud procedures, controls, reporting, and operational tools
Requirements:
- At least 2 years of relevant experience in a PSP, payment institution, acquiring bank, issuer, fintech company, or other payment-related environment
- Practical experience with chargebacks, fraud monitoring, payment risk, suspicious transaction investigation, or related operational processes
- Good understanding of card payment processing, including transaction lifecycle, key transaction statuses and operations, and the roles of issuers, acquirers, processors, and PSPs
- Understanding of Visa and Mastercard chargeback processes, dispute evidence requirements, deadlines, and provider or card scheme requirements
- Experience working with payment processing platforms, provider admin panels, transaction monitoring tools, case management systems, or internal operational registers
- Strong Excel or Google Sheets skills, including filtering, sorting, formulas, pivot tables, and working with large datasets
- Ability to review transaction data, identify discrepancies, request missing information, and investigate exceptions
- Ability to work independently, take ownership of assigned cases, and escalate issues when required
- Experience with Power BI or other analytical tools would be an advantage
- Experience monitoring fraud rates, chargeback rates, decline rates, or other payment-related KPIs would be an advantage
What we offer:
- A chance to grow in the fintech industry and deepen your expertise in payment operations, chargebacks, and fraud monitoring
- The best team to work with
- Paid time off, sick leave, and public holidays according to Barcelona location
- Healthcare benefits/medical insurance after the probation period
- Coworking reimbursement and additional benefits after the probation period