Chargeback Specialist

Teya

Hello. We’re Teya. Teya was founded on a simple belief: local businesses deserve better. They are the cafés, restaurants, salons, shops and entrepreneurs that bring character to our high streets, create jobs and keep communities moving. Yet for too long, financial services has made life harder for them - with clunky tools, poor support and complexity that gets in the way of running a business. Teya exists to change that. We’re building a financial platform for local businesses across Europe - one built around simple tools, thoughtful design and real human support. Our Members rely on us to help them run their business with confidence, and that responsibility shapes the way we work. We move fast. We care about quality. We stay close to the detail. And we believe great performance and genuine hospitality should go hand in hand. If you want to build meaningful products, solve real problems and make a genuine difference for local businesses, we’d love to hear from you The role As a Chargeback Specialist, you'll take the front line in the fight to win back merchants' money owning acquiring chargebacks end to end across every card scheme (Visa, Mastercard, American Express, and the smaller schemes such as JCB, Diners and UnionPay). You'll size up incoming disputes, decide how hard to fight and how, build the evidence that wins them, and drive cases through the full lifecycle from first chargeback to pre-arbitration and arbitration. Every case you win is real money back in a merchant's pocket. It's a role that sits right at the intersection of operations, fraud, and merchant experience — and you won't be a cog in a machine. As one of a small, fast-growing team, you'll have genuine ownership of your cases and a front-row seat to the impact: losses cut, money recovered, merchants made whole. What you'll do * Review incoming chargebacks, classify them by reason code, and determine the right course of action dispute, partially accept, or accept within scheme deadlines. * Build and submit dispute packages in the scheme portals, assembling merchant evidence (receipts, delivery confirmation, terms and conditions, communication logs) into clear, rules-based arguments. * Manage cases through the full dispute lifecycle: first chargeback, second presentment, pre-arbitration and arbitration, keeping case statuses accurate throughout. * Work merchant responses that come through the ticketing queue, requesting further information where evidence is insufficient and keeping merchants informed of progress and outcomes. * Identify and action one-sided dispute cases that can be challenged without merchant input (for example, transactions already refunded, time-barred chargebacks, or disputes against terminated fraud merchants) — to recover funds and reduce Teya's losses. * Use data tooling surface chargebacks worth challenging, monitor case volumes, and catch gaps such as missing notifications. * Spot patterns in why merchants receive chargebacks and feed insights back to merchants and internal teams to help prevent them. * Contribute to monthly management information: cases worked, disputes won and lost, amounts recovered, and chargeback ratios. * Work closely with Customer Relations, Fraud, Risk and Engineering on escalations, process improvements, and the push to revolutionise the chargeback process for smarter tooling, better solutions, and AI agents that take the grind out of disputes. What you'll bring * Experience in chargebacks, disputes, payments operations, fraud, or a closely related role at a payments company, acquirer, PSP, or financial institution. * A working understanding of how card schemes operate reason codes, dispute timeframes, and the difference between fraud, consumer-dispute and processing-error chargebacks (or the appetite and aptitude to learn this quickly). * Strong analytical judgement: you can read a case, weigh the evidence against the rules, and decide whether it's worth challenging. * Comfort working with data, reading dashboards and reports, and ideally writing or adapting basic SQL queries to pull case information. * Excellent written communication in English; you can explain a dispute clearly to a merchant and document a case cleanly for the schemes. * Organisation and self-direction, chargebacks run on tight, scheme-set deadlines, and you'll manage a queue of cases at different stages at once. * A merchant-first mindset balanced with a clear understanding of Teya's commercial and fraud-loss exposure. Nice to have * Direct experience with Visa, Mastercard or AMEX dispute portals and chargeback management. * Additional European languages (our merchants are spread across several markets). * Exposure to fraud operations, scheme monitoring programmes (e.g. Visa VAMP, Mastercard MATCH), or APP fraud / consumer-protection processes. Teya is proud to be an equal opportunity employer. We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all. If you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, or other parts of the application—we encourage you to let us know. We are committed to ensuring that every candidate has a fair and accessible experience with us.

Satispay

Please note that this opportunity requires relocation to our Barcelona office. About us Satispay began by rethinking the simple act of a payment to remove the friction from our daily routines. But we didn't stop there. Today, we are building a complete financial platform designed to empower people and concretely improve their lives. By giving our 6 million users a clear, open path to pay, save, and invest, we are evolving into the definitive destination for every financial need.   What you'll be doing As our Chargeback Specialist, you’ll be the person who manages and resolves complex disputes and chargebacks, ensuring efficient, timely, and fair resolutions while protecting customer trust and our financial integrity. Here's what your day-to-day will look like: * Handle Complex Disputes and Chargebacks – Managing the full lifecycle for high-priority or complex cases: from intake and investigation to evidence compilation, response drafting, and escalation. * Perform Deep-Dive Analysis – Analyzing dispute and chargeback data to spot root causes, emerging patterns, and process gaps to drive prevention and recovery steps. * Contribute to Process Optimisation – Actively identifying and proposing improvements to workflows, SLAs, and quality checks to increase win rates and reduce manual effort. * Ensure Compliance – Maintaining expert-level knowledge of applicable regulations and industry best practices related to chargebacks and consumer protection. * Cross-functional Collaboration – Partnering with FinCrime, Customer Support, Legal, and Product to provide expert input to prevent chargebacks upstream. * Tools & Reporting – Expertly using and refining internal tools and reporting to monitor performance, quality, and risk metrics.   Who we're looking for We need a problem-solver who loves teamwork and gets things done. If you're curious and ready for real ownership, you'll fit in! Does this sound like you? * Experience – You have 3+ years of experience in chargeback management, payment operations, or risk operations within fintech, e-commerce, or financial services. * Dispute Resolution Expertise – Proven understanding of dispute categories, evidencing standards, and resolution pathways across different payment rails. * Regulatory Knowledge – Strong knowledge of EU regulations and consumer protection. * Data Analytics – Advanced analytical skills with the ability to interpret data, identify trends, and drive data-informed decisions. * Operational Excellence – High attention to detail, strong organisation, and the ability to work independently in a fast-paced environment. * Communication Skills – Excellent ability to explain complex technical topics clearly to both technical and non-technical audiences.   CareAbout: how we support your impact We move fast, and evolution never stops. It's a fun ride, but it can be challenging. To make sure our people truly thrive, we're committed to making their lives easier, both in the office and out in the world. That's why we created CareAbout: * ❤️ Health (Private insurance for you and your family, psychological support with Serenis, mental health workshops) * 💰 Financial resources (Stock Option Plan, Meal vouchers, Relocation support if you’re moving countries) * ⚙️ Growth and development (Professional development programs, Internal mobility, Language courses with Preply) * 🌱 Flexibility (Unlimited PTO, Hybrid working policy*, Flexible working hours) * 👨‍👩‍👧 Family (Enhanced parental leave, Additional leave for child sickness) *We embrace three days per week in-office (Tuesday and Thursday + 1 of your choice), with the option to request extra remote time.   Equal Opportunity Employer At Satispay, we're proud to be an equal opportunity employer. We celebrate diversity and inclusion, welcoming individuals of all backgrounds. This opportunity is open to everyone, regardless - for instance - of race, colour, religion, sex, gender identity, sexual orientation, and national origin. Join us in a workplace where everyone belongs!   Learn more about us Our values and pillars aren't just fancy words on a page - they really shape everything we do. Explore them here. #LI-VR1 #LI-HYBRID By submitting this application, I acknowledge that I have read and understood the content of the Privacy Policy

Satispay

Please note that this opportunity requires relocation to our Barcelona office. About us Satispay began by rethinking the simple act of a payment to remove the friction from our daily routines. But we didn't stop there. Today, we are building a complete financial platform designed to empower people and concretely improve their lives. By giving our 6 million users a clear, open path to pay, save, and invest, we are evolving into the definitive destination for every financial need.   What you'll be doing As our Chargeback Specialist, you’ll be the person who manages and resolves complex disputes and chargebacks, ensuring efficient, timely, and fair resolutions while protecting customer trust and our financial integrity. Here's what your day-to-day will look like: * Handle Complex Disputes and Chargebacks – Managing the full lifecycle for high-priority or complex cases: from intake and investigation to evidence compilation, response drafting, and escalation. * Perform Deep-Dive Analysis – Analyzing dispute and chargeback data to spot root causes, emerging patterns, and process gaps to drive prevention and recovery steps. * Contribute to Process Optimisation – Actively identifying and proposing improvements to workflows, SLAs, and quality checks to increase win rates and reduce manual effort. * Ensure Compliance – Maintaining expert-level knowledge of applicable regulations and industry best practices related to chargebacks and consumer protection. * Cross-functional Collaboration – Partnering with FinCrime, Customer Support, Legal, and Product to provide expert input to prevent chargebacks upstream. * Tools & Reporting – Expertly using and refining internal tools and reporting to monitor performance, quality, and risk metrics.   Who we're looking for We need a problem-solver who loves teamwork and gets things done. If you're curious and ready for real ownership, you'll fit in! Does this sound like you? * Experience – You have 3+ years of experience in chargeback management, payment operations, or risk operations within fintech, e-commerce, or financial services. * Dispute Resolution Expertise – Proven understanding of dispute categories, evidencing standards, and resolution pathways across different payment rails. * Regulatory Knowledge – Strong knowledge of EU regulations and consumer protection. * Data Analytics – Advanced analytical skills with the ability to interpret data, identify trends, and drive data-informed decisions. * Operational Excellence – High attention to detail, strong organisation, and the ability to work independently in a fast-paced environment. * Communication Skills – Excellent ability to explain complex technical topics clearly to both technical and non-technical audiences.   CareAbout: how we support your impact We move fast, and evolution never stops. It's a fun ride, but it can be challenging. To make sure our people truly thrive, we're committed to making their lives easier, both in the office and out in the world. That's why we created CareAbout: * ❤️ Health (Private insurance for you and your family, psychological support with Serenis, mental health workshops) * 💰 Financial resources (Stock Option Plan, Meal vouchers, Relocation support if you’re moving countries) * ⚙️ Growth and development (Professional development programs, Internal mobility, Language courses with Preply) * 🌱 Flexibility (Unlimited PTO, Hybrid working policy*, Flexible working hours) * 👨‍👩‍👧 Family (Enhanced parental leave, Additional leave for child sickness) *We embrace three days per week in-office (Tuesday and Thursday + 1 of your choice), with the option to request extra remote time.   Equal opportunity employer At Satispay, we're proud to be an equal opportunity employer. We celebrate diversity and inclusion, welcoming individuals of all backgrounds. This opportunity is open to everyone, regardless - for instance - of race, colour, religion, sex, gender identity, sexual orientation, and national origin. Join us in a workplace where everyone belongs!   Learn more about us Our values and pillars aren't just fancy words on a page - they really shape everything we do. Explore them here. #LI-VR1 #LI-HYBRID By submitting this application, I acknowledge that I have read and understood the content of the Privacy Policy