Disputes & Chargebacks Specialist - Remote

About the Role

We’re hiring a Disputes & Chargebacks Specialist remote to own the end-to-end dispute lifecycle and help protect Rain, our partners, and cardholders from financial and reputational risk. This role sits at the intersection of payments, compliance, and customer experience and is ideal for someone who thrives in detail-driven environments and enjoys solving complex problems with precision.

What You’ll Do

• Own the full disputes and chargebacks lifecycle, from intake and investigation through submission and resolution.
• Manage and file disputes with card networks (Visa, Mastercard, and others), ensuring accuracy, completeness, and adherence to strict deadlines.
• Investigate claims by reviewing transaction data, customer communications, merchant policies, and network rules.
• Use internal tools and SQL-based queries to validate transaction details, timelines, and supporting evidence.
• Prepare clear, evidence-backed responses that meet network standards and maximize recovery outcomes.
• Track dispute progress and manage follow-ups, escalations, and deadlines across active cases.
• Partner closely with CX, Fraud, Finance, and Operations teams to resolve cases efficiently and improve upstream processes.
• Maintain accurate documentation to support audits, reporting, and compliance requirements.
• Analyze dispute trends to identify root causes, reduce future losses, and recommend process improvements.
• Support automation and tooling initiatives to improve dispute handling efficiency and accuracy.
• Stay current on card network rules and regulatory requirements related to disputes and chargebacks.

What You’ll Bring

• 3–5 years of hands-on experience managing card disputes and chargebacks, ideally in fintech, payments, or banking.
• Strong working knowledge of Visa and Mastercard dispute categories, workflows, and evidence requirements.
• Comfort working with data, including writing basic SQL queries to investigate transactions, validate evidence, and support reporting.
• Exceptional attention to detail with strong analytical and organizational skills.
• Clear written and verbal communication skills, including the ability to draft persuasive dispute responses.
• Comfort managing high volumes of cases under strict timelines.
• Familiarity with dispute management tools, CRM systems, and spreadsheets (Excel or Google Sheets).
• A proactive, problem-solving mindset — you look for patterns and ways to prevent repeat issues.
• Curiosity and adaptability in a fast-growing, mission-driven fintech environment.

What We Offer

• Unlimited time off 🌴 Minimum of 10 days required for personal time.
• Flexible working ☕ Work from home or in the office based on your preference.
• Comprehensive health, dental, and vision plans for you and your dependents.
• 401(k) with a 4% company match to help you plan for the future.
• Equity option plan for all employees to benefit from our success.
• Health and wellness spending for gym memberships, fitness classes, and more.
• Team summits to strengthen relationships and build a common destiny.