Chargeback Risk & Dispute Analyst

Aditi Consulting; California; On-site; USD 55,000 - 62,000; Full time

Job summary

Aditi Consulting in California seeks a detail-oriented Risk Operations Analyst toOwn the daily chargeback dispute queue, build evidence packages, and recover revenue by timely responses. You will flag fraud patterns and collaborate with Payments, CX, Fulfillment, and Fraud teams to strengthen controls.

Banished to PCI DSS compliance, you will use SQL and Excel to analyze data, prioritize disputes, and drive improvements in templates and playbooks.

Qualifications

• 2+ years of hands-on chargeback or dispute management experience in e-commerce or payments.
• Working knowledge of card dispute rules, reason codes, and response timelines
• Experience with processor dispute portals
• Comfort with high-volume, deadline-driven work and strong attention to detail.
• Proficiency in SQL and Excel or Google Sheets for pulling and analyzing data.
• Clear written communication, especially in writing concise, persuasive dispute responses.
• Ability to work independently, manage time, and escalated appropriately.

Responsibilities

• Manage the daily dispute queue, prioritizing by response deadline and dollar value, with zero missed network or processor deadlines.
• Build and submit compelling evidence packages (representment) through processor portals, matched to each dispute’s reason code.
• Gather evidence from internal systems, including order and payment records, shipping and proof of delivery, refund and return history, customer support interactions, policy acceptance, and device activation or account pairing data.
• Make accept or fight decisions using defined thresholds and playbooks.
• Handle the full dispute lifecycle, including retrieval requests, pre-arbitration, arbitration, and pre-dispute alerts.
• Document every case with clear notes and maintain an audit trail.
• Maintain and improve evidence templates and playbooks by reason code.
• Distinguish friendly fraud from true fraud and share patterns with the Fraud team to inform rule tuning.
• Analyze dispute data to identify trends, root causes, and process gaps, and recommend fixes.
• Partner with Payments, Customer Experience, Fulfillment, and Fraud teams to source evidence and resolve escalations.
• Handle cardholder and customer data in line with PCI DSS, privacy requirements, and company policy.

Skills

Chargeback management

Card dispute rules

Processor dispute portals

High-volume work

SQL

Excel/Sheets

Written communication

Independent work

Tools

SQL

Excel

Job description

Aditi Consulting in California seeks a detail-oriented Risk Operations Analyst toOwn the daily chargeback dispute queue, build evidence packages, and recover revenue by timely responses. You will flag fraud patterns and collaborate with Payments, CX, Fulfillment, and Fraud teams to strengthen controls.

Banished to PCI DSS compliance, you will use SQL and Excel to analyze data, prioritize disputes, and drive improvements in templates and playbooks.