Chargebacks Analyst - Signifyd

At Signifyd, we help merchants confidently grow their businesses by building trusted relationships with their customers. Our advanced technology, combined with a team genuinely invested in our clients’ success, creates frictionless shopping experiences, approving more good orders, protecting revenue, and keeping customers happy.

Trusted by thousands of leading merchants across more than 100 countries, we securely process billions of transactions each year. Our people are the heart of everything we do, driving our mission forward with commitment, empathy, and creativity. Join us on our mission to empower confident, fraud-free commerce by helping online retailers provide superior customer experiences and eliminate fraud.

Position Overview

You’ll join our Chargeback Investigations team, a front-line financial driver and data integrity gatekeeper for Signifyd. You will play a key role in minimizing losses, maximizing revenue, and mitigating fraud and chargeback risk for our customers.

Using your skills in chargeback data analysis, research, and investigation, you will manage chargeback files and data across multiple payment processors, help recover funds, ensure claims are worked in line with company policies, and support merchants in getting configured and set up for success. This is a hands-on, data-focused role: much of your day will be spent working with chargeback files, understanding where each dispute sits in its lifecycle, and troubleshooting data when things don’t line up.

What You’ll Do

• Work independently and with your team to help achieve the overall goals of the department.
• Review, validate, and reconcile chargeback files and reports received from multiple payment processors, ensuring every dispute is captured, mapped, and processed accurately.
• Conduct high-quality research and in-depth analysis on credit card chargebacks to investigate for criminal or buyer fraud, with minimal supervision.
• Review and process merchant reimbursement requests in line with Signifyd’s coverage policies.
• Minimize potential losses by making accurate liability determinations on chargeback cases, identifying friendly fraud, and disputing such cases to recover funds and prevent bad buyer behavior.
• Consistently apply Signifyd’s Terms of Service and merchant-specific eligibility rules to ensure accurate claim processing.
• Gather evidence from internal and third-party data sources to prove the validity of transactions.
• Support the onboarding of new merchants by reviewing policies and ensuring accounts are correctly configured.
• Conduct performance reviews of merchant accounts to ensure ongoing compliance with policies.
• Outreach with customers, banks, processors, and stakeholders to scale and optimize processes.
• Collaborate in the identification and reporting of issues impacting the department.
• Complete quality assurance and administrative tasks once upskilled.
• Work closely with cross-functional teams, including Customer Success, Product, and Finance.

Requirements

• Fluent in Spanish and English.
• Minimum of 2 years of experience in chargeback analysis, fraud prevention, or payment operations within North America, EMEA, or LatAm markets.
• Experience working with payment processors in North America, EMEA, or LatAm.
• Knowledge of card network regulations (Visa, Mastercard, American Express, Discover).
• Strong problem-solving, change management, and analytical skills.
• High level of computer proficiency; advanced knowledge of G-Suite and strong research skills.
• Highly professional with a willingness to adapt to a fast-paced environment while adhering to Security and Privacy policies.
• Advanced Excel skills (pivot tables, lookups, conditional logic, data cleansing, macros).
• Exceptional attention to detail and proactive, team-player attitude.

Highly Desired

• Experience in customer service and merchant onboarding/support.
• Experience using payment platforms (Shopify, Stripe, PayPal, Adyen, Braintree).
• Knowledge of SQL and Looker dashboard design.
• Fluent in Portuguese.