Chargeback Operations Analyst

Sezzle; United States; Remote; USD 65,000 - 90,000; Full time

Job summary

Sezzle is seeking a Chargeback Operations Analyst to join our dynamic team in the United States. You will analyze and respond to card and ACH disputes, collaborating with fraud and disputes teams to resolve issues and improve processes.

The ideal candidate has at least 1 year of chargeback or fraud investigation experience, strong data analysis skills, and a results‑driven mindset. The role requires English resumes and operates on a full-time schedule, Monday through Friday, 9:00 am–5:30 pm CST.

Qualifications

• Bachelor’s degree from an accredited institution.
• Minimum 1 year of experience in processing chargebacks or fraud incidents.
• Analytical mindset with ability to make decisions in fast-paced environments.
• Attention to detail and ability to multitask.

Responsibilities

• Investigate disputed credit card, debit card, and ACH transactions and take action within timeframes.
• Collaborate cross-functionally with fraud and disputes teams to plan next steps on a case-by-case basis.
• Analyze individual transactions using internal policies to identify patterns or trends.
• Understand systems and tools; analyze account patterns through data analysis.
• Work with analysts, operations, data scientists and engineers to improve loss prevention processes and tools.
• Develop domain knowledge of fraud prevention techniques and technologies.
• Maintain or exceed SLAs for timely resolution of queued cases to minimize losses.
• Handle escalations professionally with internal and external stakeholders.

Skills

Data analysis

Attention to detail

Problem solving

Communication

Self-start

Education

Bachelor's degree

Tools

Excel

SQL

Job description

About Sezzle:

With a mission to financially empower the next generation, Sezzle is revolutionizing the shopping experience beyond payments, blending cutting‑edge tech with seamless, interest‑free installment plans that make shopping smarter and more accessible. We’re not just transforming payments; we’re redefining how people discover, interact with, and purchase the things they love while driving real impact on merchant sales through increased conversions and higher order values. As we continue to shape the future of fintech and retail, we’re building an innovative, dynamic team passionate about creating more than just a transaction but a truly unique shopping journey. If you’re excited about pushing boundaries in tech and delivering a game‑changing experience for consumers and merchants alike, come join us at Sezzle and help create the future of shopping!

About the Role:

We are seeking a talented and motivated Chargeback Operations Analyst who is best in class with a high IQ plus a high EQ. This role presents an exciting opportunity to thrive in a dynamic, fast‑paced environment within a rapidly growing team, with abundant prospects for career advancement.

As a Chargeback Analyst, you will be responsible for analyzing and responding to card and ACH disputes filed against Sezzle. Working closely with our fraud/risk team and our customer disputes team, you will navigate issues on a case by case basis to determine the best course of action to help our customers get unstuck. Analysts will also make recommendations to our Chargeback Manager on how to improve and scale our processes. We are looking for a teammate who can work full‑time Monday through Friday between 9:00 am - 5:30 pm CST.

Due to the requirements of the position, only English resumes will be accepted.

What You’ll Do:

• Investigate disputed credit card, debit card, and ACH transactions and take suitable action to resolve those disputes within the allowed timeframes.
• Work cross functionally with relevant departments (fraud, disputes) to determine next steps on a case to case basis.
• Investigate individual transactions using internal policies and review methodologies to identify patterns or trends.
• Understand our systems and tools; investigate account patterns through data analysis.
• Collaborate with analysts, operations specialists, data scientists and engineering to improve our loss prevention mechanisms, processes and tools.
• Learn and maintain strong domain knowledge of the world of fraud including prevention techniques and technologies.
• Maintain or exceed established service level agreements (SLAs) for timely resolution of queued cases to minimize potential losses.
• Handle escalations from internal and external stakeholders in a professional and efficient manner.

What We Look For:

• Bachelor’s degree from an accredited institution
• Minimum 1 year of experience in processing chargebacks or investigating and resolving fraud incidents
• Experienced in analyzing data and comfortable making impactful decisions in a fast‑paced and sometimes ambiguous environment
• Attention to detail and ability to multitask
• Excellent problem-solving and analytical skills
• Strong business judgment and communication skills
• Ability to self‑start and work with minimal supervision after training
• Able to work through holidays

Preferred Qualifications

• 2+ years of experience in processing chargebacks or fraud claims or live transactions against fraudulent activity in e‑commerce, banking, fintech or financial institutions is a plus
• Ideal candidate will be available to start within two weeks following an offer

About You:

• You have relentlessly high standards - many people may think your standards are unreasonably high. You are continually raising the bar and driving those around you to deliver great results. You make sure that defects do not get sent down the line and that problems are fixed so they stay fixed.
• You’re not bound by convention - your success—and much of the fun—lies in developing new ways to do things
• You need action - speed matters in business. Many decisions and actions are reversible and do not need extensive study. We value calculated risk‑taking.
• You earn trust - you listen attentively, speak candidly, and treat others respectfully.
• You have backbone; disagree, then commit - you can respectfully challenge decisions when you disagree, even when doing so is uncomfortable or exhausting. You have conviction and are tenacious. You do not compromise for the sake of social cohesion. Once a decision is determined, you commit wholly.
• You deliver results - you focus on the key inputs and deliver them with the right quality and in a timely fashion. Despite setbacks, you rise to the occasion and never settle.

What Makes Working at Sezzle Awesome:

At Sezzle, we are more than just brilliant engineers, passionate data enthusiasts, out‑of‑the‑box thinkers, and determined innovators. We believe in surrounding ourselves with only the best and the brightest individuals. Our culture is not defined by a certain set of perks designed to give the illusion of the traditional startup culture, but rather, it is the visible example living in every employee that we hire.

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