Disputes & Chargebacks Specialist

We're hiring a Disputes & Chargebacks Specialist to own the end-to-end dispute lifecycle and help protect Rain, our partners, and cardholders from financial and reputational risk.

Requirements

• Own the full disputes and chargebacks lifecycle, from intake and investigation through submission and resolution.
• Manage and file disputes with card networks (Visa, Mastercard, and others), ensuring accuracy, completeness, and adherence to strict deadlines.
• Investigate claims by reviewing transaction data, customer communications, merchant policies, and network rules.
• Use internal tools and SQL-based queries to validate transaction details, timelines, and supporting evidence.
• Prepare clear, evidence-backed responses that meet network standards and maximize recovery outcomes.
• Track dispute progress and manage follow-ups, escalations, and deadlines across active cases.
• Partner closely with CX, Fraud, Finance, and Operations teams to resolve cases efficiently and improve upstream processes.
• Maintain accurate documentation to support audits, reporting, and compliance requirements.
• Analyze dispute trends to identify root causes, reduce future losses, and recommend process improvements.
• Support automation and tooling initiatives to improve dispute handling efficiency and accuracy.
• Stay current on card network rules and regulatory requirements related to disputes and chargebacks.

Benefits

• Unlimited time off
• Flexible working
• Easy to access benefits
• Retirement goals
• Equity plan
• Rain Cards
• Health and Wellness
• Team summits