Chargeback Specialist: Fintech Dispute & Risk Expert

Colibrix One; Kraków; On-site; PLN 70,000 - 110,000; Full time

Benefits offered by this job

Professional growth

Collaborative culture

Learning opportunities

Competitive compensation

Job summary

COLIBRIX ONE is seeking a Chargeback Specialist to manage end-to-end card dispute processes within an acquiring environment under Visa and Mastercard schemes. You will analyze transactions, prepare representments, and collaborate with banks and merchants to resolve disputes and improve win rates.

You will monitor trends across a diverse merchant portfolio, support risk mitigation efforts, and ensure compliance with scheme rules in a fast-paced fintech setting, with opportunities to impact the

Qualifications

• Minimum 2 years of experience in dispute management, preferably within a PSP, EMI, or acquiring bank.
• Hands-on experience managing chargebacks for merchants across the full risk spectrum.
• Strong understanding of Visa and Mastercard scheme rules and the end-to-end dispute process.
• Experience with dispute prevention / deflection tools (Ethoca, Verifi Order Insight / CDRN, RDR) is a strong advantage.
• Awareness of scheme monitoring programs and thresholds (VAMP, ECM/EFM) and how dispute outcomes affect portfolio ratios.
• Excellent written communication skills in a formal and professional style.
• Fluency in English and Russian (additional languages are considered a plus).
• Proficiency in Microsoft Office, with strong expertise in Excel highly desirable.
• Higher education in banking or economics, and experience in a regulated financial environment, are considered a plus.

Responsibilities

• Handle incoming chargebacks in accordance with Visa and Mastercard scheme rules
• Manage the full dispute lifecycle: first chargeback, representment, pre-arbitration, arbitration, and collaboration / pre-dispute cases
• Analyze transaction data to prepare compelling representments and supporting documentation
• Manage disputes across a diverse merchant portfolio spanning low - to high-risk profiles and varied business models
• Tailor representment and dispute strategies to the merchant's risk profile and transaction model
• Monitor chargeback ratios across merchant activity and identify patterns or spikes that require further investigation
• Track merchant performance against scheme monitoring thresholds and flag emerging risk
• Leverage dispute prevention and deflection tools to reduce dispute volume
• Collaborate with internal teams - Risk, Settlement, and Compliance
• Communicate with issuer banks, acquiring banks, processors, and merchants to resolve dispute-related queries
• Continuously evaluate dispute procedures and suggest improvements to increase win rates
• Work to strict scheme response deadlines and SLAs without compromising quality
• Stay up to date with scheme rules, regulatory updates, and industry best practices in dispute management
• Perform any other related duties or responsibilities as assigned

Skills

Dispute management

Attention to detail

Communication skills

Problem solving

Time management

English proficiency

Russian proficiency

Education

Higher education in banking or economics

Tools

Microsoft Office

Excel

Job description

COLIBRIX ONE is seeking a Chargeback Specialist to manage end-to-end card dispute processes within an acquiring environment under Visa and Mastercard schemes. You will analyze transactions, prepare representments, and collaborate with banks and merchants to resolve disputes and improve win rates.

You will monitor trends across a diverse merchant portfolio, support risk mitigation efforts, and ensure compliance with scheme rules in a fast-paced fintech setting, with opportunities to impact the