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- Tasks: Manage chargeback operations and improve dispute processes for our merchants.
- Company: Join Mercuryo, a leader in blending traditional banking with DeFi innovations.
- Benefits: Competitive salary, flexible remote work, health insurance, and professional development opportunities.
- Why this job: Be at the forefront of Web3 finance and make a real impact on user experiences.
- Qualifications: Experience in chargeback management and strong understanding of payment processes required.
- Other info: Dynamic, diverse team with a focus on creativity and innovation.
The predicted salary is between 30000 - 42000 £ per year.
We’re Mercuryo, and we’re on a mission to redefine finance by blending the best of traditional banking with the innovations of decentralized finance (DeFi). We believe that everyone should have easy access to Web3 and traditional financial services — and we’re making that happen by building a robust platform that simplifies dealing with crypto and seamlessly integrates it into the broader financial ecosystem.
Since we launched in 2018, we’ve teamed up with Web3 top projects such as MetaMask, Trust Wallet, Ledger, Jupiter, 1inch, and PancakeSwap and 200+ others to power over 200 dynamic products. Our work also brings us into direct collaboration with major ecosystems such as Solana Labs, Consensys, and BNB Chain.
We are looking for a Chargeback Specialist to manage and continuously improve chargeback and dispute operations across all our merchants and acquirers. This role sits at the intersection of risk, fraud prevention, payments, and operations, with a strong focus on loss mitigation, dispute recovery, and proactive prevention.
- Act as a subject matter expert on chargeback and dispute processes, providing guidance to internal teams and merchants on dispute prevention, best practices, and effective defense strategies.
- Own the end-to-end chargeback lifecycle, including intake, analysis, evidence preparation, submission, and follow-up with processors, acquirers, and card schemes.
- Prepare and submit high-quality, compelling dispute documentation to maximize win and recovery rates.
- Maintain up-to-date knowledge of card scheme rules and regulations, including disputes, pre-arbitration, arbitration, and compliance requirements.
Your Role:
- Analyse chargeback and dispute data to identify patterns, trends, and underlying drivers of disputes and losses.
- Translate findings into clear, actionable insights and recommendations to support fraud prevention initiatives and dispute reduction.
- Maintain a strong understanding of dispute root causes and proactively contribute to preventive measures aimed at reducing recurrence and overall losses.
- Execute chargeback and dispute processes with a strong focus on maximizing recovery rates and minimizing financial losses.
- Identify illegitimate, abusive, or friendly fraud disputes and ensure they are appropriately challenged.
- Monitor dispute outcomes, recovery performance, and scheme thresholds to proactively manage financial and compliance risk.
- Work closely with the Risk / Anti-Fraud team to continuously improve chargeback handling, fraud detection approaches, and funding workflows.
- Support day-to-day risk operations by providing statistics, insights, and analysis related to disputes and losses.
- Participate in periodic reviews of internal processes to strengthen controls and improve dispute and fraud prevention effectiveness.
- Identify process gaps and opportunities for automation within chargeback and dispute workflows.
- Contribute to scaling dispute operations by streamlining manual processes and improving cost efficiency.
- Support the development and enhancement of internal tools, dashboards, and reporting related to disputes.
What We’re Looking For:
- Proven experience in chargeback and dispute management within a payments, financial services, or digital commerce environment.
- Strong understanding of card scheme rules, dispute reason codes, evidence requirements, and dispute timelines.
- Hands-on experience with dispute evidence frameworks, such as Visa Compelling Evidence 3.0, and an understanding of how evidence standards impact win rates.
- Familiarity with chargeback thresholds, monitoring programs, and scheme risk requirements, including ratio limits and early warning signals.
- Experience working with data visualization tools and analytics dashboards (e.g. Tableau, Metabase or similar) to monitor dispute volumes, trends, and recovery performance.
What We Offer:
- Competitive market rate salary and performance-based incentives.
- 22 days annual leave with an additional 6 company days, plus bank holidays.
- Comprehensive health insurance plans.
- Extensive benefits program.
- Flexible work schedule and remote work options.
- Modern offices and co-working spaces across 6 countries.
- Working equipment.
- Professional development and training opportunities.
- Opportunity to shape the initiatives you’re working on.
- Diverse and friendly team.
If you’re driven to be a part of the Web3 forefront and are keen to leave your mark on this rapidly evolving field, Mercuryo is an excellent choice. Discover our open positions and see how you can contribute to shaping the future!
Mercuryo is an equal opportunity employer and prohibits discrimination and harassment of any kind. We are committed to providing employees with a work environment that is progressive and open-minded.
Chargeback Specialist employer: Mercuryo
Contact Detail:
Mercuryo Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Chargeback Specialist
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend webinars, and join relevant online communities. You never know who might have the inside scoop on job openings or can refer you directly.
✨Tip Number 2
Prepare for interviews by researching Mercuryo and understanding their mission. Tailor your answers to show how your skills align with their goals in redefining finance and enhancing user experiences.
✨Tip Number 3
Practice your pitch! Be ready to explain your experience with chargebacks and disputes clearly and confidently. Use examples that highlight your problem-solving skills and how you've contributed to previous teams.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re genuinely interested in being part of the Mercuryo team.
We think you need these skills to ace Chargeback Specialist
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Chargeback Specialist role. Highlight your experience in chargeback and dispute management, and don’t forget to mention any relevant tools or frameworks you’ve worked with!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about the role and how your skills align with Mercuryo's mission. Keep it concise but impactful!
Showcase Your Analytical Skills: Since this role involves analysing chargeback data, be sure to include examples of how you've used data to drive decisions in your previous roles. Numbers speak volumes!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to see your application and get you into the process smoothly. Plus, we love seeing candidates who take that extra step!
How to prepare for a job interview at Mercuryo
✨Know Your Chargeback Stuff
Make sure you brush up on your knowledge of chargeback and dispute processes. Understand the card scheme rules, evidence requirements, and timelines. Being able to discuss these confidently will show that you're not just familiar with the role but are genuinely passionate about it.
✨Data is Your Best Friend
Familiarise yourself with data visualisation tools like Tableau or Metabase. Be ready to talk about how you've used data to identify trends in disputes and losses in your previous roles. This will demonstrate your analytical skills and your ability to translate data into actionable insights.
✨Prepare for Scenario Questions
Think about potential scenarios you might face as a Chargeback Specialist. Prepare examples of how you've handled disputes or fraud prevention in the past. This will help you articulate your problem-solving skills and show that you can think on your feet.
✨Show Your Collaborative Spirit
Mercuryo values teamwork, so be prepared to discuss how you've worked with cross-functional teams in the past. Highlight any experiences where you've collaborated with risk or anti-fraud teams to improve processes. This will showcase your ability to work well in a diverse environment.
