Sr. Disputes Operation Analyst

Bluevine; Salt Lake City, Northern (UT, KY); Hybrid; USD 47,000 - 57,000; Full time

Benefits offered by this job

Health coverage

401K with company match

PTO and holidays

Mental health benefits

Job summary

Bluevine is seeking a Senior Disputes Operations Analyst to manage end-to-end dispute claims lifecycle, including filing with vendors, investigations, and post-resolution reviews. You will guide peers, analyze data, and collaborate with Risk, Fraud Operations and Product teams to strengthen processes.

The role emphasizes timely resolution, policy adherence, and effective communication with internal stakeholders and partner banks.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field
• 3–5+ years of experience in dispute resolution, preferably within a commercial fintech or banking environment.
• Demonstrated expertise in Network rules (Visa/Mastercard), NACHA rules, and wire/check recovery frameworks.
• Proven experience handling claim appeals and supporting peer analysts.
• Strong root-cause analysis and problem-solving skills in a fast-paced environment.

Responsibilities

• Manage a high-volume daily queue of complex dispute claims across debit, credit, and non-debit channels from intake to final resolution within SLAs.
• File dispute claims with third-party vendors and financial institutions, with upfront and post-resolution investigations.
• Review data for legitimacy in accordance with Bank requirements and assist in risk assessment.
• Lead investigations into unauthorized transactions and monitor for patterns of fraud and dispute abuse.
• Own the appeals process for denied claims with rigorous, well-documented decisions.
• Serve as escalation point for Customer Service on complex inquiries.

Skills

Dispute resolution

Root-cause analysis

Written communication

Time management

Mentoring peers

Stakeholder communication

Education

Bachelor's degree in Finance, Accounting, or Business

Tools

Vendor management

Job description

Bluevine is the largest small business banking platform in the U.S., redefining how entrepreneurs manage their money. We create modern financial solutions, from checking and lending to payments and beyond, designed to help small business owners grow, thrive, and take control of their financial future. Our best-in-class technology, advanced security, and deep understanding of the small business community give our customers the confidence to focus on what they do best.

Since 2013, we’ve supported more than 750,000 small businesses nationwide. Backed by leading investors like Lightspeed Venture Partners, Menlo Ventures, 83North, and Citi Ventures, our 500+ person global team shares one mission: to give small businesses the financial tools they need to succeed.

We’re innovators driven by big ideas, collaboration, and real impact. Here, you’ll have the freedom to take ownership, grow your career, and make a difference for small business owners across America. Ready to shape what’s next?

About the Role

As the Senior Disputes Operations Analyst, you will serve as a subject matter expert managing the end-to-end lifecycle of complex client dispute claims, including debit cards, credit cards, and non-debit transactions. This role focuses on filing dispute claims with external vendors, conducting thorough upfront and post-resolution investigations, and maintaining strict adherence to internal SLAs. Beyond standard claim management, you will handle formal appeals for denied claims, manage escalations from Customer Service, and provide guidance to peer analysts. Additionally, you will work collaboratively with partner teams on non-card recovery efforts (ACH debit, outbound ACH transfers, wires, and checks), identify risk trends, and support the Sr. Manager of Disputes on process improvements and occasional joint initiatives with Fraud and Product teams.

What You’ll Do

• Manage and prioritize a high-volume daily queue of complex and high-value dispute claims across debit card, credit card, and non-debit channels, taking cases from initial intake to final resolution while maintaining strict adherence to internal service-level agreements (SLAs).
• Accurately file dispute claims with third-party vendors and financial institutions, performing both upfront and post-resolution investigations.
• Conduct meticulous data review and analysis to validate the legitimacy of all submitted claims in accordance with Business Bank requirements.
• Lead comprehensive investigations into unauthorized transactions, actively monitoring for and identifying emerging patterns of card fraud, account takeover (ATO) activity, and dispute abuse.
• Own the formal appeals process for denied claims, conducting secondary reviews to ensure fair, accurate, and well-documented decisions.
• Serve as an escalation point for Customer Service to evaluate and resolve complex or sensitive client dispute inquiries.
• Act as a peer mentor and resource, providing technical guidance, support and oversight to other analysts on the team.
• Collaborate cross-functionally with partner teams on non-card recovery efforts, including ACH debits, outbound ACH transfers, wires, and checks.
• Maintain clear, professional and effective written communication when interacting with internal stakeholders, partner banks, and vendors to facilitate claim resolution.
• Collaborate with Risk, Fraud Operations and Product teams in conjunction with the Sr. Manager of Disputes to share insights and support control improvements.
• Proactively identify opportunities for process improvement, take ownership of implementing changes, and contribute to the continuous strengthening of BlueVine's dispute resolution framework.

What We Look For

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field
• 3–5+ years of experience in dispute resolution, preferably within a commercial fintech or banking environment.
• Demonstrated expertise and strong working knowledge of Network rules (Visa/Mastercard), NACHA rules, and wire/check recovery frameworks.
• Proven experience handling claim appeals, resolving Customer Service escalations and supporting or mentoring peer analysts.
• Proven ability to perform complex root‑cause analysis and problem-solving in a fast‑paced environment.
• Exceptional written communication skills, with an emphasis on creating detailed and accurate documentation for internal records and external correspondence.
• Strong organizational skills and the ability to manage time effectively to meet deadlines.
• Applicants must be currently authorized to work in the United States on a full‑time basis

This role is also eligible to earn annual performance‑based incentive compensation in the form of a cash bonus. At Bluevine, we recognize the importance of fair and competitive compensation. Exact compensation may vary based on a variety of factors, including your experience, skills and qualifications, as well as market trends.

New Hire Base Salary

$47,100 - $56,600 USD

Benefits & Perks (US Based ONLY)

• Excellent health coverage and life insurance benefits
• 401K with an immediate 3% company match
• PTO, Company Holidays and Flexible Holidays
• Company-sponsored Mental Health Benefits, including 1:1 therapy
• Over $1,000 each year to spend on your personal wellness
• Monthly WFH stipends totaling over $1,000 annually
• Generous, paid parental leave covering up to 20 weeks of leave for birthing parents and up to 12 weeks of leave for all other parents
• Access to financial coaches and education sessions
• Weekly catered lunches and fully stocked kitchen pantries

Voluntary Self-Identification

As set forth in Bluevine - US’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service‑connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.