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Chargeback Analyst Jobs (NOW HIRING)

Topstep

Chargeback and Abuse Risk Analyst

Omaha, NE · On-site

$80K - $90K/yr

The Chargeback and Abuse Risk Analyst is an independent decision-maker and subject matter expert on card disputes and payment abuse. The primary work of this role is judgment. Classifying abuse ...

Topstep

Chargeback and Abuse Risk Analyst

Chicago, IL · On-site

$80K - $90K/yr

The Chargeback and Abuse Risk Analyst is an independent decision-maker and subject matter expert on card disputes and payment abuse. The primary work of this role is judgment. Classifying abuse ...

Topstep

Chargeback and Abuse Risk Analyst

Chicago, IL · On-site +1

$80K - $90K/yr

The Chargeback and Abuse Risk Analyst is an independent decision-maker and subject matter expert on card disputes and payment abuse. The primary work of this role is judgment. Classifying abuse ...

JLab Audio

Deductions Analyst

Carlsbad, CA · On-site

$60K - $85K/yr

Role Overview We are seeking a detail-oriented Deductions Analyst to protect revenue and accelerate ... Key Responsibilities Chargeback & Deduction Management * Review, research, and resolve customer ...

Satispay

Chargeback Specialist - Barcelona

Perform Deep-Dive Analysis - Analyzing dispute and chargeback data to spot root causes, emerging patterns, and process gaps to drive prevention and recovery steps. * Contribute to Process ...

Morris and Dickson

Chargeback Specialist

Shreveport, LA · On-site

Role Overview As a Chargeback Specialist , you'll be the go-to expert for maintaining accurate ... Analyze data using Excel and other tools * Cross-train on departmental functions and contribute to ...

Morris and Dickson

Chargeback Specialist

Shreveport, LA · On-site

Role Overview As a Chargeback Specialist , you'll be the go-to expert for maintaining accurate ... Analyze data using Excel and other tools * Cross-train on departmental functions and contribute to ...

Topstep

Manager, Chargeback Recovery

Chicago, IL · On-site

$100K - $107K/yr

Summary The Manager, Chargeback Recovery owns the end-to-end execution of Topstep's chargeback ... Strong analytical skills and a data-driven work style; proficiency in SQL, Excel, or comparable ...

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Chargeback Analyst information

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How much do chargeback analyst jobs pay per hour?

As of Jun 25, 2026, the average hourly pay for chargeback analyst in the United States is $29.04, according to ZipRecruiter salary data. Most workers in this role earn between $23.32 and $34.38 per hour, depending on experience, location, and employer.

What is a Chargeback Analyst?

A Chargeback Analyst is a financial professional responsible for investigating and resolving chargeback claims, which occur when a customer disputes a transaction with their bank or credit card provider. They analyze transaction records, communicate with merchants and banks, and gather supporting documentation to determine the validity of each claim. Their goal is to minimize financial losses for their organization by ensuring that chargeback cases are handled efficiently and accurately. They also help identify patterns of fraud or errors and recommend process improvements to reduce future chargebacks.

What jobs pay $2000 a day?

Chargeback analysts typically do not earn $2000 a day; such high daily rates are more common in specialized roles like senior consultants, investment bankers, or high-level executives. These positions often require extensive experience, advanced skills, and certifications, and may involve consulting or project-based work with high compensation structures.

What is the difference between Chargeback Analyst vs Fraud Analyst?

AspectChargeback AnalystFraud Analyst
Required CredentialsBanking certifications, knowledge of payment processingCybersecurity certifications, fraud detection training
Work EnvironmentFinancial institutions, e-commerce companiesBanking, finance, e-commerce, security firms
Employer & Industry UsagePayment processors, banks, merchantsFinancial institutions, online retailers, security agencies
Common Search & ComparisonYesYes

While both roles involve financial security and transaction analysis, a Chargeback Analyst primarily handles disputes related to payment reversals, whereas a Fraud Analyst focuses on detecting and preventing fraudulent activities. The roles often overlap in financial institutions and e-commerce, but each has distinct responsibilities and skill sets.

What is the role of a chargeback analyst?

A chargeback analyst is responsible for reviewing and investigating disputed transactions to prevent financial losses for a company. They analyze transaction data, communicate with banks and customers, and implement strategies to reduce chargeback rates, often using specialized software and industry knowledge of payment processing. The role requires attention to detail and understanding of fraud prevention and card network rules.

What are some common challenges faced by Chargeback Analysts and how can they be addressed?

Chargeback Analysts often encounter challenges such as managing high volumes of dispute cases, keeping up with changing card network regulations, and effectively communicating with both merchants and customers. To address these, it's important to stay organized, leverage chargeback management software, and regularly participate in industry training. Building strong cross-functional relationships with fraud prevention and customer service teams also helps streamline the investigation and resolution process.

What Is a Chargeback Analyst?

A chargeback analyst is responsible for evaluating disputed credit card transactions. In this job, your duties are to investigate disputes, look for documentation of a purchase, determine whether there was fraud, and validate the chargeback if appropriate. You also work with merchants and card providers to ensure their record-keeping systems are adequate. The qualifications for a career as a chargeback analyst are a bachelor’s degree in finance and up to three years of experience working in the finance industry. Additionally, you need strong communication and problem-solving skills.

What are the key skills and qualifications needed to thrive as a Chargeback Analyst, and why are they important?

To excel as a Chargeback Analyst, you need a solid understanding of payment processing, financial regulations, and dispute resolution, often supported by a degree in finance or a related field. Familiarity with chargeback management systems, payment gateways, and data analysis tools like Excel is typically required. Attention to detail, problem-solving ability, and strong communication skills help you investigate cases and collaborate with merchants or customers. These skills are crucial for minimizing financial losses and ensuring compliance in a fast-paced financial environment.

How much does a chargeback analyst make?

A chargeback analyst typically earns between $40,000 and $70,000 annually, depending on experience, location, and the size of the employer. Entry-level positions may start lower, while experienced analysts with certifications can earn higher salaries. The role often requires familiarity with payment processing systems and dispute management tools.

What job makes $10,000 a month without a degree?

A Chargeback Analyst typically earns less than $10,000 per month, but some high-level roles in sales, real estate, or entrepreneurship can reach or exceed that income without a degree. Success in these fields often depends on experience, skills, and performance rather than formal education. Certifications or specialized training can enhance earning potential in certain areas.
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Chargeback Analyst jobs near you
Infographic showing various Chargeback Analyst job openings in the United States as of June 2026, with employment types broken down into 95% Full Time, and 5% Contract. Highlights an 87% Physical, 5% Hybrid, and 8% Remote job distribution, with an average salary of $60,411 per year, or $29 per hour.
Chargeback and Abuse Risk Analyst

Chargeback and Abuse Risk Analyst

Topstep

Omaha, NE • On-site

$80K - $90K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 26 days ago

Job description

Summary:
The Chargeback and Abuse Risk Analyst is an independent decision-maker and subject matter expert on card disputes and payment abuse. The primary work of this role is judgment. Classifying abuse, building evidence strategy, and making enforcement recommendations that carry direct financial and legal consequences for Topstep.
This role works closely with cross-functional partners on pattern identification, enforcement decisions, and process improvement.
Key Responsibilities
  • Exercise independent judgment to classify chargebacks and abuse cases across all defined categories where outcomes are not predetermined and classification carries enforcement consequences.
  • Develop and own evidence strategy for chargeback representment. Determining which facts are procedurally relevant under card network rules and building advanced evidence packages.
  • Make enforcement recommendations on high-risk and abuse-flagged accounts, including traders flagged for chargeback or refund abuse activity; prepare case summaries that are defensible.
  • Conduct root cause analysis on complex chargeback to identify the true nature of a case beyond the stated reason code.
  • Identify and surface abuse patterns across accounts, timeframes, and chargeback types; contribute findings to the abuse classification framework and policy development.
  • Manage escalations and serve as a subject matter consultant to internal teams on complex or cross-functional chargeback matters.
  • Support the pre-dispute alert review process. Evaluate alerts, apply classification logic, and escalate cases warranting enforcement.
  • Drive process improvements through data-driven recommendations; partner with program leadership, Product, and Engineering to implement changes.
  • Work the active chargeback queue across multiple processors. Applying the judgment and evidence standards above to each case.

Required Qualifications and Key Competencies
  • 2 + years working chargebacks, payment disputes, or payments abuse in a role requiring independent case judgment or transferable work experience.
  • Strong command of card network chargeback rules across Visa, Mastercard, American Express, and Discover.
  • Demonstrated ability to classify ambiguous abuse scenarios and make defensible enforcement recommendations without a predetermined framework to follow.
  • Pattern-recognition capability. Connects signals across accounts, timeframes, and chargeback types to identify coordinated or systemic abuse.
  • Metrics-driven work style; demonstrated ability to drive unstructured problems to resolution independently and cross-functionally.
  • Excellent analytical skills with superb attention to detail. Case documentation is clean, complete, and holds up under review.
  • Strong written and verbal communication; able to present findings and recommendations clearly to leadership and cross-functional partners.
  • Experience with pre-dispute alert platforms (Ethoca, Verifi, RDR) is a meaningful differentiator.

Preferred Qualifications and Key Competencies
  • SQL or Looker proficiency.
  • Fintech, E-commerce, or Payments experience.

Company Culture and Perks
  • Topstep is an engaging working environment that ranges from fully remote to hybrid. We foster a culture of collaboration by keeping cameras on during meetings and maintaining a robust Slack environment for communication.
  • Seven Company-paid Holidays and generous Family Leave. Paid time off is front-loaded.
  • Competitive 401(k) matching, health, dental, and vision insurance are offered for full-time employees.
  • Vacations are encouraged with a bonus for taking 5 consecutive days. Topstep offers a food and groceries budget and contributes towards health and wellness.

New Hire Base Salary Range
  • $80,000 - $90,000.
  • The compensation offered will take into account the internal compensation structure and may vary depending on the candidate's geographic region, job-related knowledge, skills, and experience, among other factors.
  • This position is eligible for a performance-based bonus as provided by the plan terms and governing documents.

Equal Opportunity Employer
Topstep is an Equal Opportunity Employer. We are committed to fostering an inclusive environment where all employees and applicants are valued. All qualified candidates will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, age, disability, or veteran status, in compliance with applicable federal, state, and local laws.
Interested in the role? Apply today with your resume!

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