Chargeback Strategy & Operations Lead (Fintech)

Location: Hybrid in Miami, New York, or San Francisco, United States

Company

hirify.global is a Series B fintech building an AI-powered WhatsApp remittance product for Latin American immigrants in the United States, using AI, blockchain, and stablecoins for cross-border payments.

What you will do

• Own the end-to-end chargeback strategy across merchant-acquiring and card-issuing environments.
• Define representment strategies, evidence standards, playbooks, SOPs, and escalation paths by reason code, corridor, product, and dispute stage.
• Design cohort- and maturity-based win-rate measurement across Visa, Mastercard, Amex, Discover, processors, and dispute stages.
• Partner with Analytics and Strategy to build Omni and BigQuery dashboards for dispute volume, performance, and financial exposure.
• Translate network and regulatory rule changes into operational processes and compliance requirements.
• Partner with Fraud, Investigations, Operations, Product, Engineering, processors, and program partners while mentoring junior chargeback specialists.

Requirements

• 4–7+ years of experience in fraud or risk strategy with hands-on card authorization decisioning experience on the issuer, acquirer, program manager, or processor side.
• Knowledge of authorization, clearing, settlement, 3DS/SCA, network fraud-monitoring programs, dispute reason codes, and card-network rules.
• Experience with BaaS or program-manager card-issuing vendors such as Stripe Issuing, Marqeta, or Galileo.
• Advanced SQL is required for independently querying and sizing risk.
• Experience building product- and action-based fraud controls and operating 0-to-1 programs in ambiguous environments.
• Advanced English is required.

Nice to have

• Card-issuing experience at a fintech or program manager.
• Stablecoin-backed card-program or broader crypto experience.
• Spanish or Portuguese language skills.
• Cross-border remittance or LATAM-market fraud experience.
• Experience managing BIN sponsor or issuing-bank relationships.

Culture & Benefits

• Initial stock options grant and annual performance bonus.
• Health, dental, and vision plans.
• 401(k) with employer match.
• Unlimited PTO and paid parental leave.
• Continuous learning and growth opportunities in an entrepreneurial environment.