Chargeback Strategy & Operations Lead (Fintech)

TL;DR

Chargeback Strategy & Operations Lead (Fintech): Designing and managing the end-to-end chargeback and dispute strategy for a cross-border payment ecosystem with an accent on win-rate optimization, regulatory compliance, and AI-powered efficiency. Focus on building the analytical backbone for dispute measurement, navigating card network rules, and coordinating between fraud, product, and external vendors.

Location: Hybrid; must be based in or open to joining hubs in Miami, San Francisco, or New York

Company

AI-powered fintech building a financial ecosystem for Latin immigrants in the U.S. to make cross-border payments faster and more accessible.

What you will do

• Own the end-to-end chargeback strategy for both merchant-acquiring and issuing sides.
• Design and implement methodologies for win-rate measurement across networks (Visa, Mastercard, Amex, Discover) and reason codes.
• Develop scalable playbooks, SOPs, and escalation paths for dispute environments.
• Act as the internal expert on chargeback regulations, network rules, and Reg E/Z requirements.
• Partner with Fraud, Product, and Engineering teams to integrate dispute insights into the product roadmap.
• Mentor junior team members and establish the technical bar for dispute processing operations.

Requirements

• 4–7+ years in fraud/risk strategy with hands-on card authorization experience.
• Deep knowledge of card network mechanics (authorization, clearing, settlement) and dispute reason codes.
• Advanced SQL skills are a hard requirement for independent risk sizing and querying.
• Experience with BaaS or program manager card issuing vendors like Stripe Issuing, Marqeta, or Galileo.
• Advanced English proficiency.
• Must be legally authorized to work in the United States without sponsorship.

Nice to have

• Prior experience with card issuing at a fintech or program manager.
• Familiarity with stablecoin-backed card programs or general crypto experience.
• Proficiency in Spanish or Portuguese for the LATAM corridor focus.
• Background in cross-border remittance or LATAM-market fraud.

Culture & Benefits

• Competitive salary and initial stock options grant.
• Annual performance bonus.
• Comprehensive health, dental, and vision plans.
• 401(k) with employer match.
• Unlimited PTO and paid parental leave.
• Dynamic entrepreneurial environment with high growth potential.