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Chargeback Representative Jobs in Florida (NOW HIRING)

Justt

Senior Account Executive - Tampa

Tampa, FL · On-site

Our AI-driven platform powers chargeback operations at scale, automating disputes end to end ... Represent Justt at key conferences, client onsites, and partner events (travel required)

Justt

Senior Account Executive - Tampa

Tampa, FL · On-site +1

Our AI-driven platform powers chargeback operations at scale, automating disputes end to end ... Represent Justt at key conferences, client onsites, and partner events (travel required)

Justt

Presales Engineer Tampa

Tampa, FL · On-site +1

$180K - $200K/yr

Our AI-driven platform powers chargeback operations at scale, automating disputes end to end ... Represent Justt's technical credibility across the US market: in enterprise and fintech ...

Justt

Presales Engineer Tampa

Tampa, FL · On-site

Our AI-driven platform powers chargeback operations at scale, automating disputes end to end ... Represent Justt's technical credibility across the US market: in enterprise and fintech ...

Coinme

Director of Payments & Risk

Miami, FL

Own the chargeback and dispute program economics: representing strategy, pre-dispute deflection signals (Ethoca, Verifi RDR, Compelling Evidence 3.0), win-rate and net-recovery reporting, and card ...

BrightStar Credit Union

Fraud Specialist

Cooper City, FL · On-site

$23.80 - $29.32/hr

Challenge chargebacks/denials by providing all necessary information relating to claims and ... The physical demands described here represent those that an employee must meet to perform the ...

BrightStar Credit Union

Fraud Specialist

Cooper City, FL · On-site

$23.80 - $29.32/hr

Challenge chargebacks/denials by providing all necessary information relating to claims and ... The physical demands described here represent those that an employee must meet to perform the ...

The Elser Hotel & Residences

Junior Staff Accountant

Miami, FL · On-site

$24 - $30/hr

Highgate's portfolio of global properties represents an aggregate asset value exceeding $20B and ... Process returned checks and credit card chargebacks. * Conduct monthly credit meetings and maintain ...

Highgate Hotels

Junior Staff Accountant

Miami, FL

$24 - $30/hr

Highgate's portfolio of global properties represents an aggregate asset value exceeding $20B and ... Process returned checks and credit card chargebacks. * Conduct monthly credit meetings and maintain ...

The Elser Hotel & Residences

Junior Staff Accountant

Miami, FL · On-site

$24 - $30/hr

Highgate's portfolio of global properties represents an aggregate asset value exceeding $20B and ... Process returned checks and credit card chargebacks. * Conduct monthly credit meetings and maintain ...

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Chargeback Representative information

What is a chargeback representative?

Chargeback Representatives are professionals who manage and resolve disputes between customers, merchants, and financial institutions regarding credit or debit card transactions. They review claims of unauthorized or incorrect charges, gather supporting documentation, and communicate with all parties involved to investigate and resolve the dispute. Their role is crucial in ensuring compliance with banking regulations and card network rules while protecting both consumers and businesses from fraudulent activity. Chargeback Representatives often work in banking, payment processing, or financial services companies.

What are the key skills and qualifications needed to thrive as a chargeback representative?

To thrive as a Chargeback Representative, you need a strong understanding of payment processing, financial regulations, and dispute resolution, often supported by experience in banking or finance. Familiarity with chargeback management platforms, payment gateways, and knowledge of card network rules (such as Visa and Mastercard) are typically required. Attention to detail, analytical thinking, and effective communication are essential soft skills for investigating claims and interacting with customers or merchants. These skills ensure accurate handling of disputes, compliance with regulations, and the protection of financial interests for both clients and organizations.

What are some typical challenges a chargeback representative faces when investigating disputed transactions?

Chargeback Representatives frequently encounter challenges such as gathering sufficient documentation from merchants and cardholders, interpreting complex payment network rules, and managing tight deadlines for dispute resolution. Balancing empathy for customers with strict compliance requirements can also be demanding. Additionally, representatives often collaborate with fraud teams and customer service departments to ensure fair outcomes and prevent future disputes.

What is the difference between Chargeback Representative vs Fraud Analyst?

AspectChargeback RepresentativeFraud Analyst
CredentialsCustomer service skills, knowledge of payment processingAnalytical skills, sometimes certifications in fraud detection
Work EnvironmentBanking, credit card companies, e-commerceFinancial institutions, e-commerce, security firms
Employer & IndustryPayment processors, banks, merchantsFinancial services, security companies
Search & Comparison IntentUnderstanding roles related to payment disputesUnderstanding roles in fraud detection and prevention

The main difference is that a Chargeback Representative handles payment disputes and customer inquiries related to chargebacks, while a Fraud Analyst focuses on detecting and preventing fraudulent transactions. Both roles require knowledge of payment systems, but their primary responsibilities and work environments differ slightly.

Chargeback Representative jobs near you
Infographic showing various Chargeback Representative job openings in Florida as of September 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution.

Chargeback Strategy & Operations Lead

Miami, FL • On-site

Felix Technologies, Inc.
See more jobs at Felix Technologies, Inc.external

Other

Medical, Dental, Vision, Retirement, PTO

Re-posted 13 days ago

Job description

About Us
At Félix, we're building the financial ecosystem for Latin immigrants in the U.S., starting with a revolution in remittances. Our core product is an AI-powered chatbot built on WhatsApp, allowing our users to send money home as easily as sending a text message. We leverage cutting-edge technology like AI, blockchain, and stablecoins to make cross-border payments faster, more affordable, and more accessible than ever before.
We are a hyper-growth Series B company, backed by over $100 million in funding from top-tier global investors, including QED, Castle Island, Switch Ventures, HTwenty, Monashees, and General Catalyst Customer Value Fund. This isn't just about the numbers; it's a testament to the trust our investors have in our vision and our team. Additionally, Félix was selected as an "Endeavour Entrepreneur" and was a recipient of the CrossTech Fintech Startups Award. We are a group of extremely talented and dedicated high-performers, united by our shared obsession with a single goal: empowering our customers. We are all owners of Félix, driven by a bias for action and a true experimentation spirit to get shit done with urgency and focus.
Joining Félix means you will be part of a team building a legacy, a company that will outlive us all. This is a rare opportunity to apply your skills to a deeply meaningful mission-serving a community that has been underserved for too long. We are a team that is fiercely loyal to each other, where radical transparency and constructive feedback are how we grow and push for excellence. We are bold, we care less about what others are doing, and more about creating sustainable value and a product that truly makes our users' lives better. We are building the future, today.
About the Role
Felix Pago is looking for a Chargeback Strategy & Operations Lead to own and drive our chargeback strategy end-to-end. This role needs to be fluent in dispute mechanics from both sides of a card transaction - the merchant/acquirer side, which most chargeback specialists already know, and the issuer side: evidence standards, timelines, and network rules from the other seat at the table, which most don't. You'll need to operate credibly in both, not just one.
This is not a processing role. We're looking for someone who can build the strategic and analytical backbone of our chargeback function: designing how we measure and improve win rates, identifying systemic gaps before they become losses, and representing Felix credibly with processors, networks, and issuing partners.
Responsibilities
Chargeback Strategy & Governance:
  • Own the end-to-end chargeback strategy for Felix, covering both the merchant-acquiring side (disputes filed against Felix as a payment recipient) and the issuing side (disputes filed by our own cardholders, where applicable).
  • Define and continuously refine our representment strategy - which cases to fight, and what evidence packages give us the best odds by reason code, corridor, and product type.
  • Build and maintain the playbooks, SOPs, and escalation paths for both environments, ensuring they scale as Felix expands into new products.
  • Identify and drive AI-powered solutions that increase efficiency and scalability.
Win Rate Measurement & Analytics:
  • Design and own the methodology for win rate measurement segmented by reason code, network (Visa, Mastercard, Amex, Discover), processor, corridor, and dispute stage (pre-arbitration vs. arbitration).
  • Build cohort and maturity-based views of dispute outcomes so leadership has a clear, defensible read on performance trends rather than point-in-time snapshots.
  • Partner with Analytics/Strategy to instrument dashboards (Omni, BigQuery) that make win rate, dispute volume, and financial exposure visible and actionable.
  • Continuously evaluate emerging tools (e.g., Stripe Smart Disputes-type automation, network compliance programs) and make build-vs-buy recommendations.
Regulatory & Network Expertise:
  • Serve as Felix's internal expert on chargeback regulations and network rules - Visa (VCR), Mastercard (Dispute Resolution rules), Amex, and Reg E/Reg Z requirements where applicable to disputes.
  • Track rule changes across networks and processors (Stripe, Checkout.com, card issuing partners) and translate them into operational impact and required process changes.
  • Understand the roles and responsibilities of the institutions involved - acquirers, issuers, card networks, processors, and arbitration bodies - and know how to engage each one appropriately depending on dispute type and stage.
  • Ensure Felix's dispute handling stays compliant with timelines, evidence standards, and network-specific requirements (compelling evidence rules, pre-dispute/rapid dispute resolution programs, etc.).
Cross-Functional Partnership:
  • Work closely with Fraud Strategy, Investigations, and Operations to close the loop between fraud patterns and chargeback outcomes - feeding disputes-driven insight back into rule and policy design.
  • Partner with Product/Engineering on the chargeback pillar roadmap, including tooling for evidence collection and case management.
  • Represent Felix in conversations with processors and program partners on dispute performance, program risk, and rule changes.
  • Support executive reporting on chargeback performance, exposure, and strategic recommendations.
Team & Process Leadership:
As the senior specialist on chargebacks, mentor and set the technical bar for junior team members handling day-to-day dispute processing, driving their leadership to what success means in their role.
Own documentation of chargeback processes designed for scalability, including readiness for eventual operational handoff as the team grows.
Requirements
  • 4-7+ years in fraud/risk strategy, with direct, hands-on experience in card authorization decisioning - issuer, acquirer, program manager, or processor side.
  • Working knowledge of card network mechanics: authorization/clearing/settlement flow, 3DS/SCA, network fraud-monitoring programs (Visa VAMP or equivalent, Mastercard excessive chargeback programs), and dispute reason codes.
  • Experience working with or evaluating BaaS / program-manager card issuing vendors (Stripe Issuing, Marqeta, Galileo, or similar), including fraud AoR/RACI negotiation.
  • Advanced SQL - hard requirement, not a nice-to-have. This person needs to independently query and size risk, not route it to an analyst.
  • Demonstrated bias toward product and action-based fraud controls (step-up auth, holds, dynamic friction) over rules as the default fix.
  • Comfortable building in ambiguity on a 0-to-1 program - translating vendor documentation, legal, and compliance input into an actual operating model.
  • Strong cross-functional communication; this role sits at the intersection of Fraud, Product, Compliance, and an external vendor.
  • Advanced English.
  • Prior experience specifically with card issuing at a fintech or program manager (rather than acquiring-side or card-not-present e-commerce fraud only) (Nice to have).
  • Familiarity with stablecoin-backed card programs or general crypto experience (Nice to have).
  • Spanish or Portuguese, given the LATAM corridor focus (Nice to have).
  • Background in cross-border remittance or LATAM-market fraud (Nice to have).
  • Experience negotiating or managing a BIN sponsor / issuing bank relationship (Nice to have).
What We Offer
  • Competitive salary
  • Initial stock options grant
  • Annual performance bonus
  • Health, dental, and vision plans
  • 401(k) with employer match
  • Continuous learning opportunities
  • Unlimited PTO
  • Paid parental leave
  • Empowering opportunities for growth in a dynamic entrepreneurial environment

Equal Opportunity Employer
At Félix, we are committed to providing equal employment opportunities to all qualified employees and applicants without regard to race, religion, nationality, sex, sexual orientation, gender identity, age, or disability. This policy applies to all terms and conditions of employment, including recruitment, hiring, placement, promotion, training, compensation, benefits, and termination.
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