Company Overview

The organization operates within the digital payments and financial technology industry, providing payment processing solutions and financial services that support electronic transactions between businesses, financial institutions, and customers.

Its operating environment involves card payment processing, merchant transactions, refunds, payment disputes, and transaction administration.

The organization is committed to maintaining effective dispute management processes, improving payment transparency, and reducing operational losses associated with transaction disputes.

To strengthen its payment operations function, the organization is seeking a Payment Disputes & Chargeback Operations Specialist with practical experience in payment investigations and dispute resolution.

Role Summary

The Payment Disputes & Chargeback Operations Specialist will manage operational activities relating to disputed transactions, chargeback cases, payment reversals, and refund investigations.

The successful candidate will review dispute notifications, collect supporting transaction information, coordinate responses, and ensure that cases are handled within applicable processing deadlines.

The role requires strong knowledge of card payment operations, dispute workflows, transaction documentation, and payment network procedures.

The specialist will work closely with merchant support, finance, compliance, and payment processing teams to improve dispute resolution and strengthen operational controls.

Key Responsibilities

• Manage incoming payment dispute and chargeback cases across supported payment channels.

• Review disputed transactions and investigate the circumstances surrounding each case.

• Collect and organize transaction evidence required for dispute responses.

• Prepare accurate chargeback documentation and supporting case records.

• Monitor dispute deadlines to ensure responses are submitted within applicable timeframes.

• Review refund requests, transaction reversals, and payment adjustment records.

• Coordinate with merchants and internal teams to obtain additional transaction information.

• Investigate recurring dispute patterns and identify potential operational weaknesses.

• Monitor chargeback ratios and prepare reports on dispute trends and performance.

• Support the resolution of payment processing discrepancies involving disputed transactions.

• Maintain accurate case management records and dispute investigation documentation.

• Collaborate with fraud prevention teams on disputes involving potentially unauthorized transactions.

• Review dispute handling procedures and recommend process improvements.

• Support the implementation of automated dispute management workflows.

• Monitor updates to relevant card scheme dispute procedures and operational requirements.

• Contribute to initiatives designed to reduce preventable chargebacks and improve payment quality.

Requirements and Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related discipline.

• At least three years of experience in payment disputes, chargeback operations, merchant services, or payment processing.

• Strong understanding of card payment processing and chargeback procedures.

• Familiarity with payment networks and dispute reason codes.

• Experience reviewing transaction records and preparing supporting dispute documentation.

• Understanding of refund management, payment reversals, and transaction investigation.

• Familiarity with merchant acquiring platforms and payment operations systems.

• Ability to manage multiple dispute cases and meet strict processing deadlines.

• Strong analytical and investigative capabilities.

• Excellent written communication and documentation skills.

• Proficiency in Excel and payment operations reporting tools.

• Professional proficiency in English.

Benefits

• Remote working flexibility within Estonia.

• Competitive compensation based on professional experience and qualifications.

• Opportunity to work within the digital payments and merchant services industry.

• Professional development in chargeback management and payment operations.

• Exposure to payment network procedures and modern dispute management platforms.

• Collaborative environment involving finance, fraud prevention, and merchant operations teams.

• Opportunity to improve transaction dispute processes and reduce operational payment risks.

Application Instructions

Candidates should submit an updated CV highlighting their experience in payment disputes, chargeback management, merchant services, or transaction operations.

Applications should demonstrate practical knowledge of dispute investigation, evidence preparation, card payment workflows, and case management.

Candidates are encouraged to provide examples of chargeback or dispute management activities they have handled and explain how their work improved resolution efficiency or reduced payment-related losses.

Are you interested in this position?

Apply by clicking on the “Apply Now” Button below!

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