Company Overview

The organisation operates within the digital payments and financial technology sector, providing technology-driven payment solutions for merchants, businesses and financial service providers. Its operational environment supports electronic transaction processing, payment reconciliation and dispute management, with a focus on improving payment accuracy and reducing financial losses.

Role Summary

The Payment Disputes & Chargeback Operations Specialist will manage and investigate payment disputes arising from electronic transactions across supported payment channels. The position focuses on reviewing disputed transactions, coordinating chargeback documentation, analysing transaction evidence and supporting the timely resolution of payment-related claims.

The successful candidate will work with payment processors, merchants and internal operational teams to ensure disputes are handled accurately and within applicable scheme deadlines. The role requires practical knowledge of card payment operations, chargeback procedures and financial transaction investigation.

Key Responsibilities

• Review incoming payment disputes and determine the appropriate investigation procedures.

• Manage chargeback cases involving card payments and other supported electronic payment channels.

• Collect and examine transaction records, payment confirmations and supporting documentation.

• Prepare representment evidence for disputed transactions where appropriate.

• Monitor chargeback deadlines and ensure cases are processed within applicable timeframes.

• Analyse recurring dispute patterns and identify potential operational weaknesses.

• Coordinate with merchants, payment processors and financial institutions during investigations.

• Investigate unauthorised transactions, duplicate payments and processing errors.

• Maintain accurate case records and update dispute management systems.

• Prepare reports covering dispute volumes, chargeback ratios and resolution outcomes.

• Identify opportunities to reduce preventable chargebacks and improve transaction processes.

• Collaborate with fraud prevention and payment operations teams on complex cases.

Requirements and Qualifications

• Bachelor’s degree in Finance, Accounting, Banking or Business Administration.

• Professional experience in payment operations, chargeback management or financial dispute resolution.

• Good understanding of card payment processing and payment scheme dispute procedures.

• Familiarity with chargeback reason codes and representment documentation.

• Knowledge of transaction reconciliation and payment investigation processes.

• Experience using payment management systems and case management applications.

• Strong Excel skills and financial reporting capabilities.

• Ability to review transaction evidence and assess disputed payment claims.

• Excellent written communication and case documentation skills.

• Strong attention to detail, organisation and deadline management.

Benefits

• Fully remote working opportunity within Estonia.

• Exposure to international payment processing and dispute management.

• Opportunity to develop expertise in card payment operations.

• Professional development in payment risk and financial transaction management.

• Collaborative environment involving merchant services and payment operations professionals.

• Opportunity to contribute to improved payment accuracy and reduced financial losses.

Application Instructions

Interested applicants should submit an updated CV highlighting their experience in chargeback management, payment disputes, card processing or transaction operations. Candidates may also include relevant professional training and examples of payment investigation responsibilities.

Are you interested in this position?

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

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