SlipstreamJobs tracks this role from the company's public career site. Apply directly on the employer's site.
Aspire is a financial operating system for global founders, combining banking, software, and automation into a single platform. The company serves 50,000+ startups and growing businesses worldwide, backed by Y Combinator, Peak XV, and Lightspeed.
You will own the end-to-end lifecycle of customer disputes and chargebacks, from initial claim assessment through card network filing and resolution. This is a high-impact operational role requiring deep expertise in payment card networks, fraud typologies, and regulatory compliance.
Key Responsibilities:
- Review customer dispute claims against card network rules (Visa Core Rules & VPSR, Mastercard/other schemes) to determine eligibility and appropriate dispute reason codes
- Distinguish genuine unauthorized-transaction fraud from consumer disputes (non-receipt, not-as-described, billing errors, duplicate charges) and non-disputable scenarios, routing each correctly
- Gather and validate required documentation and evidence from customers before filing, within network time limits
- File and manage disputes end-to-end through network portals (e.g., Visa VROL), tracking cases through representment and arbitration stages
- Maintain complete, audit-ready case records with inputs, decision rationale, and outcomes for every case
- Escalate suspected fraud, scam patterns, or compromised-card indicators to the Fraud Investigations team
- Partner with Engineering and Data teams to improve dispute tooling, automation, and keep eligibility logic current as network rules evolve
- Track dispute volumes, win/loss rates, recovery amounts, and turnaround times; report trends to senior stakeholders
- Continuously refine dispute SOPs and playbooks as network rules, transaction types, and fraud typologies evolve
- Liaise with card processor and network representatives on complex or escalated cases
Requirements:
- 2-4 years of experience in card dispute/chargeback handling, fraud operations, ideally in fintech, banking, or payments
- Strong understanding of fraud typologies relevant to digital and non-digital finance products and fraud detection methodologies
- Working knowledge of card network dispute frameworks and reason codes (Visa dispute conditions under VCR/VPSR; Mastercard chargeback reason codes a plus)
- Comfortable working with transaction-level data (authorization records, card-present vs. card-not-present indicators, CVV/3-D Secure results) to assess whether evidence supports a claim
- Strong grasp of AI concepts and ability to apply AI tools (e.g., Claude, n8n) to real workflows
- Strong analytical skills to spot patterns, weigh partial or ambiguous evidence, and reach defensible decisions under time pressure
- Excellent attention to detail and clear written documentation for audit and arbitration review
- Comfortable operating within strict, non-negotiable regulatory and network filing deadlines
Preferred Qualifications:
- Direct hands-on experience filing disputes via Visa VROL, Mastercom, or similar network portal
- Exposure to debit/prepaid card issuance programs and processor relationships
- Familiarity with payments, card networks, or cross-border transactions
- Basic SQL or data-querying skills (e.g., Databricks) to pull and interpret transaction records
- Experience in a high-growth or multi-market fintech environment
