Dispute Analyst, X Money

xAI; Bastrop (TX); On-site; USD 60,000 - 80,000; Full time

Job summary

xAI is looking for a Dispute Analyst to join its Risk Operations team in Bastrop, Texas. In this role, you will investigate and resolve disputes involving P2P, debit/credit card, and ACH transactions while ensuring compliance with all applicable regulations.

The ideal candidate will possess strong analytical skills and have at least 3 years of experience in dispute resolution. Excellent written communication skills are crucial for drafting accurate case notes. Join a motivated team at xAI focused on engineering excellence.

Qualifications

• 3+ years of experience handling disputes involving debit or credit card transactions.
• Strong understanding of Regulation E and card network chargeback guidelines.
• Detail-oriented with strong organizational skills.

Responsibilities

• Investigate and resolve customer disputes across various channels.
• Validate chargeback rights and ensure documentation is complete.
• Manage provisional credits and comply with regulatory standards.

Skills

Dispute resolution

Regulation E knowledge

Analytical skills

Written communication

Attention to detail

Education

Bachelor's degree in Finance or related field

Tools

CRM tools

Case management platforms

Job description

xAI’s mission is to create AI systems that can accurately understand the universe and aid humanity in its pursuit of knowledge. Our team is small, highly motivated, and focused on engineering excellence. This organization is for individuals who appreciate challenging themselves and thrive on curiosity. We operate with a flat organizational structure. All employees are expected to be hands‑on and to contribute directly to the company’s mission. Leadership is given to those who show initiative and consistently deliver excellence. Work ethic and strong prioritization skills are important. All employees are expected to have strong communication skills. They should be able to concisely and accurately share knowledge with their teammates.

ABOUT THE ROLE

X Payments seeks a Dispute Analyst for our Risk Operations team to investigate and resolve customer disputes across P2P, debit/credit card, and ACH channels. You’ll assess claims, manage provisional credits, and ensure compliance with Regulation E, NACHA, and network rules. This fast‑paced role requires strong analytical skills and collaboration with Fraud, Compliance, and Customer Support teams to deliver timely, fair resolutions while minimizing business risk.

RESPONSIBILITIES

• Investigate incoming customer disputes across P2P, debit/credit card, and ACH transactions, ensuring compliance with internal policies and regulatory standards.
• Validate chargeback rights and ensure required documentation is complete before initiating a dispute with networks or processors.
• Manage and track the issuance of provisional credits, ensuring adherence to Regulation E timeframes and NACHA rules for ACH claims.
• Maintain accurate and detailed case documentation within internal systems for audit readiness.
• Collaborate with internal teams (Fraud, Compliance) to gather information, resolve gaps, and elevate high‑risk or complex cases.
• Respond to representments, pre‑arbitration, and final decisions from processors or networks; elevate unresolved or disputable cases as needed.
• Monitor dispute aging and ensure deadlines are met for all required actions, including filings, evidence submissions, and customer communications.
• Communicate resolution outcomes to customers with professionalism and clarity, adjusting for tone and regulatory requirements.
• Identify dispute trends or emerging issues and provide insights to leadership for process or policy improvements.
• Support audits, reporting, and quality assurance reviews by maintaining defensible case notes and outcome records.

BASIC QUALIFICATIONS

• 3+ years of experience handling disputes involving debit or credit card transactions.
• Strong working knowledge of Regulation E (Electronic Fund Transfers Act), NACHA rules, and card network chargeback guidelines (Visa, Mastercard).
• Experience handling consumer disputes end to end across multiple payment types (P2P, debit/credit card, and ACH).
• Excellent written communication skills with the ability to draft clear, accurate, and compliant case notes and customer responses.
• Detail‑oriented with strong organizational skills and the ability to meet strict deadlines in a fast‑paced environment.
• Familiarity with dispute systems, case management platforms, and CRM tools.
• Analytical and investigative mindset with sound judgment and decision‑making abilities.
• Bachelor’s degree in Finance, Business, Criminal Justice, or a related field preferred; relevant certifications (e.g., ETA CPP, CFE) a plus.
• To conform to U.S. Government export regulations, applicant must be a (i) U.S. citizen or national, (ii) U.S. lawful, permanent resident (aka green card holder), (iii) refugee under 8 U.S.C. § 1157, or (iv) asylee under 8 U.S.C. § 1158, or be eligible to obtain the required authorizations from the U.S. Department of State. Learn more about the ITAR here.