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Chargeback Representment Jobs (NOW HIRING)

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 representment and recovery operations - managing the chargeback queue, leading the operations team ...

New

Topstep

Manager Chargeback Recovery

Omaha, NE · On-site +1

$100K - $107K/yr

Summary The Manager, Chargeback Recovery owns the end-to-end execution of Topstep's chargeback representment and recovery operations - managing the chargeback queue, leading the operations team ...

New

Topstep

Manager, Chargeback Recovery

Chicago, IL · On-site +1

$100K - $107K/yr

Summary The Manager, Chargeback Recovery owns the end-to-end execution of Topstep's chargeback representment and recovery operations - managing the chargeback queue, leading the operations team ...

New

Topstep

Chargeback and Abuse Risk Analyst

Omaha, NE · On-site +1

$80K - $90K/yr

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 ...

Topstep

Chargeback and Abuse Risk Analyst

Chicago, IL · On-site +1

$80K - $90K/yr

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 ...

Topstep

Manager Chargeback Recovery

Omaha, NE · On-site

$100K - $107K/yr

Summary The Manager, Chargeback Recovery owns the end-to-end execution of Topstep's chargeback representment and recovery operations - managing the chargeback queue, leading the operations team ...

Topstep

Chargeback and Abuse Risk Analyst

Omaha, NE · On-site

$80K - $90K/yr

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 ...

Topstep

Chargeback and Abuse Risk Analyst

Chicago, IL · On-site

$80K - $90K/yr

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 ...

RaceTrac

Payments Operations Analyst

Atlanta, GA

This includes: gathering documentation (receipts, shipping records, user logs) to create compelling rebuttal cases for representment - monitoring chargeback ratios and trends to provide actionable ...

Blossom

Lead Client Support Specialist, Card Operations

FL · On-site +1

$75K - $85K/yr

Disputes, chargebacks, and network representment rules * BIN management, card profile configuration, and tokenization * STIP behavior, response codes, and network connectivity * Provide guidance to ...

KURV

Compliance Specialist

Cleveland, OH · On-site

Draft and submit remediation plans, representment strategies, and compliance responses within ... Experience with chargeback management platforms and fraud monitoring tools * Experience interacting ...

GlossGenius

Fraud Operations Manager

New York, NY · On-site +1

$160K - $180K/yr

Manage chargeback and dispute operations end-to-end, including evidence compilation, representment strategy, and win-rate optimization * Build reporting and alerting that gives leadership real-time ...

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How much do chargeback representment jobs pay per hour?

As of Jun 7, 2026, the average hourly pay for chargeback representment in the United States is $21.19, according to ZipRecruiter salary data. Most workers in this role earn between $16.83 and $26.44 per hour, depending on experience, location, and employer.

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

To excel as a Chargeback Representment Specialist, you need strong analytical skills, attention to detail, and knowledge of payment processing and chargeback regulations, often supported by experience in finance or banking. Familiarity with payment dispute management systems, card network rules (such as Visa and Mastercard), and fraud detection tools is common. Exceptional communication, problem-solving abilities, and organizational skills help you build effective cases and coordinate with clients and banks. These competencies are crucial for successfully recovering funds, minimizing losses, and maintaining positive relationships with stakeholders.

What is the difference between Chargeback Representment vs Chargeback Analyst?

AspectChargeback RepresentmentChargeback Analyst
Primary RoleResponds to chargebacks by disputing claims with merchants and banksAnalyzes chargeback data to identify trends and prevent future disputes
Required SkillsDispute resolution, communication, understanding of payment networksData analysis, reporting, fraud detection
Work EnvironmentCustomer service, dispute management teamsData analysis, fraud prevention teams

Chargeback Representment focuses on actively disputing chargebacks, while Chargeback Analysts analyze data to reduce disputes. Both roles require knowledge of payment networks but serve different functions in the chargeback process.

What is Chargeback Representment?

Chargeback representment is the process by which a merchant disputes a chargeback filed by a cardholder. When a chargeback occurs, funds are withdrawn from the merchant’s account and returned to the customer due to a claim of fraud or dissatisfaction. Through representment, the merchant provides evidence to their acquiring bank to prove the transaction was legitimate and to recover lost revenue. This process typically involves submitting documentation such as receipts, shipping confirmation, or communication records with the customer. If the evidence is sufficient, the chargeback may be reversed in favor of the merchant.

What are some common challenges faced in a Chargeback Representment role, and how can they be effectively managed?

Professionals in Chargeback Representment often encounter challenges such as gathering sufficient documentation, meeting tight response deadlines, and interpreting complex card network rules. Success in this role requires strong attention to detail, organizational skills, and clear communication with merchants, processors, and internal teams. Proactively staying updated on card scheme regulations and developing efficient workflows can help manage these challenges and increase the likelihood of successful representments.
Infographic showing various Chargeback Representment job openings in the United States as of May 2026, with employment types broken down into 72% Full Time, 14% Part Time, and 14% Temporary. Highlights an 84% Physical, 8% Hybrid, and 8% Remote job distribution, with an average salary of $44,080 per year, or $21.2 per hour.
Manager, Chargeback Recovery

Manager, Chargeback Recovery

Topstep

Chicago, IL • On-site

$100K - $107K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 2 days ago

Job description

Summary
The Manager, Chargeback Recovery owns the end-to-end execution of Topstep's chargeback representment and recovery operations - managing the chargeback queue, leading the operations team, overseeing the BPO relationship, and driving the win rates, SLA adherence, and operational efficiency that define program performance. This is a people leadership role at the center of day-to-day chargeback operations.
Key Responsibilities
  • Lead and manage the operations team - own performance standards, coaching, development, and accountability for case quality and throughput.
  • Oversee chargeback queue operations - own routing logic, triage protocols, workload balancing, and deadline adherence.
  • Manage the BPO relationship for chargeback case handling - hold vendors accountable to SLAs and quality standards, track output, and drive continuous improvement.
  • Deliver consistent performance reporting to leadership - win/loss rates by reason code and processor, pre-dispute deflection analysis, volume trends, and capacity gaps.
  • Stay current on card network chargeback rules, and industry best practices; translate changes into operational adjustments.
  • Serve as the primary escalation point for complex chargeback, pre-arbitration, arbitration cases, and cross-functional chargeback issues.
  • Partner with the Program Standards team to ensure SOPs, training, and QA standards reflect live operational reality.
  • Monitor case volumes and proactively surface staffing needs and capacity risks to leadership.
  • Identify opportunities to streamline and automate chargeback recovery workflows; partner with Product and Engineering to build scalable representment and queue management infrastructure.

Required Qualifications and Key Competencies
  • 4 + years in payments, fraud, dispute, or chargeback operations, with at least 2 years in a people management or team lead role with a demonstrated track record of high performance.
  • Deep knowledge of card network dispute rules across major card networks, including the CE 3.0 framework.
  • Proven people leadership skills - experience conducting performance evaluations, delivering structured feedback, coaching for development, and building team accountability.
  • Hands-on experience managing a BPO relationship - holding vendors to SLAs, driving quality, and implementing continuous improvement.
  • Working knowledge of pre-dispute platforms (Ethoca, Verifi, RDR) and the ability to evaluate vendor performance and configuration decisions through data.
  • Strong analytical skills and a data-driven work style; proficiency in SQL, Excel, or comparable tools to monitor KPIs and drive operational decisions.
  • Excellent organizational and communication skills - able to manage competing priorities and translate operational detail into leadership-ready reporting.
  • Comfortable operating in a build environment where process definition and execution happen simultaneously.
  • Project management experience is a plus.
  • SQL or data querying proficiency for investigative research and trend analysis is a plus.

Company Culture & Perks
  • Topstep is an engaging working environment which ranges from fully remote to hybrid. We foster a culture of collaboration with cameras on during meetings and 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 is offered for full time employees.
  • Vacations are encouraged with a bonus for taking 5 consecutive days. Employee referrals are bonused. Topstep offers a food and groceries budget and contributes towards health and wellness.

New Hire Base Salary Range
  • $100,000 - $107,500.
  • Bonus: This position is eligible for a performance-based bonus as provided by the plan terms and governing documents.
  • The compensation offered will take into account internal compensation structure and may vary depending on the candidate's geographic region, job-related knowledge, skills, and experience among other factors.

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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