ob Description:

Chargebacks are a critical process within the transaction cycle. Technically complex, they require strict adherence to Scheme Dispute Rules and Regulations. This necessitates close and effective working relationships with third-party banks, internal stakeholders, and card schemes to ensure compliance with NI standards and PCI DSS policies

Responsibilities:

• Process fulfillments and representations correctly on Visa Online, Mastercard, Diners Club Exchange, and within scheme regulations to minimize losses for NI and merchants.
• Retrieve and analyze supporting documents to prevent chargebacks from issuers.
• Process merchant letters for copy requests and received chargebacks daily, ensuring timely responses.
• Process pre-arbitration/pre-compliance matters within timelines, adhering to scheme dispute rules and regulations.
• Prepare and update daily chargeback MIS reports for accuracy.
• Prepare financial batches, collect fees, and disburse chargeback funds. Debit merchants or write off losses to ensure regular financial recording.
• Coordinate, advise, and guide merchants, third-party banks/schemes, and internal stakeholders regarding chargeback inquiries.
• File chargeback documents for future retrieval in compliance with NI policies.
• Review and implement changes in chargeback activities based on bi-yearly scheme regulation updates to maintain compliance.
• Initiate a courtesy call to the merchant after sending letters to confirm receipt and address any contact details changes.

Qualifications:

• Bachelor's degree in commerce, business administration, economics or a related field.
• 0 to 3 year experience in Banking, and card Industry, KYC & merchant analysis
• Excellent English communication skills
• Able to lead the investigations internally and take ownership of the issue until closure.
• Customer focused and should be able to work under pressure.

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