Senior Chargeback & Fraud Analyst

Ebanx group; Curitiba; On-site; BRL 180,000 - 260,000; Full time

Benefits offered by this job

Performance Bonus

Meal Allowance

EBANX Education

EBANX Skills

Language Classes

Health & Well-being

Flexible Work Culture

Well-being Program

Job summary

EBANX is a leading fintech expanding globally. We are seeking a Senior Fraud Prevention and Chargeback Analyst to tackle high-impact challenges across the chargeback lifecycle, including investigations, automation, and optimization.

You will partner with Merchants, Acquirers, Product, and Engineering to build scalable fraud and chargeback solutions. You will monitor KPIs, propose data-driven improvements, and help shape our fraud strategy in a dynamic, international environment.

Qualifications

• Experience in Fraud Prevention, Chargebacks, Disputes, Payments Risk within fintech, banking, or ecommerce ecosystems.
• Strong understanding of chargeback lifecycle, dispute management, representment, and card scheme rules.
• Analytical mindset with the ability to investigate complex scenarios and translate findings into business actions.
• Proven track record monitoring KPIs and driving operational decisions using data.
• Ability to navigate dynamic environments and own process improvements.
• Excellent communication with merchants, partners, Product, and Engineering teams.
• Advanced English proficiency for global collaboration.

Responsibilities

• Manage end-to-end chargeback lifecycle: notifications, representment, controls, and financial performance, aligned with SLAs.
• Advise EBANX merchants on fraud and chargeback best practices to improve outcomes.
• Monitor fraud and chargeback indicators, identify trends, risks, and root causes for optimization.
• Conduct complex fraud investigations and translate data into actionable insights.
• Map and improve operational processes for efficiency and scalability.
• Build and monitor dashboards to support business decisions and executive reviews.
• Collaborate with Product and Engineering to address gaps and automate workflows.
• Coordinate with acquirers and banking partners on fraud and chargeback flows.
• Stay updated on card scheme rules and local/regulatory changes and assess impact.

Skills

Fraud Prevention

Chargebacks

Disputes

Data analysis

Problem solving

Communication

English proficiency

SQL

Data visualization

Tools

SQL

Data visualization tools

Job description

EBANX is one of the most successful fintechs to emerge from Latin America — and today, we are building a truly global payments company. Our mission has remained constant from day one: to unlock access and enable companies and consumers to participate in the digital economy, no matter where they are.

What started as a bold vision has grown into a platform that connects some of the world's largest digital businesses with customers across 21 of the fastest-growing markets. We operate where complexity exists — turning local challenges into global opportunities, and building the infrastructure that allows payments to move further, faster, and smarter.

We are a team of builders and problem-solvers. We think globally, act with curiosity, and believe diversity of thought is a competitive advantage.

As EBANX enters its next phase of hyper growth, we are looking for people who want to shape the future of payments, expand what's possible, and help connect businesses and consumers across borders.

Let's build what's next — together.

As a Senior Fraud Prevention and Chargeback Analyst, you will have the opportunity to work on complex, high-impact challenges across the entire chargeback lifecycle — from operational strategy and representment to fraud investigations, data analysis, automation, and process optimization.

You will work closely with global merchants, acquirers, banking partners, Product, and Engineering, developing a broad view of the payments ecosystem while helping us build smarter and more scalable ways to manage fraud and chargebacks.

What your day-to-day will look like

• Manage and optimize the end-to-end chargeback lifecycle, including notifications, representment, operational controls, and financial performance, while ensuring compliance with card scheme and partner SLAs;
• Act as a trusted advisor to EBANX merchants, providing guidance on fraud and chargeback best practices and identifying opportunities to improve their results;
• Monitor and analyze key fraud and chargeback indicators, such as chargeback rate and win rate, identifying trends, risks, root causes, and opportunities for optimization;
• Conduct complex fraud and chargeback investigations, translating large volumes of data into actionable insights and recommendations;
• Map and continuously improve operational processes, identifying opportunities to increase efficiency, scalability, and financial performance;
• Build and monitor operational and executive dashboards, transforming data into clear insights that support business decisions;
• Partner closely with Product and Engineering teams to identify operational pain points, propose solutions, and support the development of new features and automations;
• Collaborate directly with acquirers and banking partners, aligning operational processes and developing strategic fraud and chargeback flows that support EBANX's business expansion;
• Monitor changes in card scheme rules, payment regulations, and local regulatory requirements, assessing their impact on EBANX, our merchants, and our operational processes;
• Support the management, investigation, documentation, and resolution of operational incidents related to fraud and chargebacks;
• Leverage AI, automation, and data-driven solutions to optimize routines, automate reporting and data extraction, and increase the team's operational efficiency;
• Bring a senior perspective to the team by challenging existing processes, proposing improvements, sharing knowledge, and helping turn complex operational problems into scalable solutions.

What you need to shine in this role

• Solid experience in Fraud Prevention, Chargebacks, Disputes, Payments Risk, or related areas within the payments, banking, fintech, acquiring, or e-commerce ecosystem;
• Strong knowledge of the chargeback lifecycle, including dispute management, representment, card scheme rules, and operational SLAs;
• Strong analytical skills and a data-driven mindset, with the ability to investigate complex scenarios, identify patterns, and translate findings into business recommendations;
• Experience monitoring and interpreting fraud and chargeback KPIs and using them to drive operational and strategic decisions;
• Ability to navigate complex and dynamic environments, managing different priorities while maintaining a high level of accuracy and ownership;
• Strong problem-solving skills and a continuous improvement mindset;
• Ability to communicate complex topics clearly and collaborate with different stakeholders, including merchants, financial partners, Product, and Engineering teams;
• Proactive and autonomous profile, comfortable taking ownership of problems and driving solutions from identification through implementation;
• Advanced English proficiency, with the ability to communicate effectively in a global business environment.

Bonus points if you have

• Experience working directly with card schemes, acquirers, issuers, banks, or global merchants;
• Knowledge of Brazilian payments and fraud regulations, including BACEN requirements, MED, and Bloqueio Cautelar;
• Experience with data visualization and the creation of operational or executive dashboards;
• Experience with process automation, AI tools, AI agents, or other technologies applied to fraud, chargebacks, reporting, or operational efficiency;
• Experience partnering with Product and Engineering teams to develop or improve fraud and chargeback solutions;
• Knowledge of SQL or other data analysis tools;
• Experience working in a global fintech or high-growth technology environment.

EBANX offers

• Performance Bonus: Annual bonus program based on company results.
• Meal Allowance: Monthly allowance to support your meals.
• EBANX Education: Financial assistance for undergraduate, graduate, and MBA programs to support your professional growth.
• EBANX Skills: Dedicated budget for courses, certifications, and workshops to encourage continuous learning.
• Language Classes: Language classes to support your personal and professional development.
• Health & Well-being: Medical and dental plans with extensive coverage, including support for dependents and wellness programs.
• Flexible Work Culture: Semi-flexible hours, additional day off on your birthday.
• Well-being Program: Access to activities and resources that promote physical and mental health.

Learn more about our #ebanxlife on LinkedIn and Instagram, and see what it's like to be part of a global team that breaks barriers, creates opportunities, and celebrates every achievement together.

An Out Of The Ordinary career is waiting for you here!