Disputes & Chargebacks Specialist

Rain
New York, NY
Remote
Job Description
Rain is hiring a Disputes & Chargebacks Specialist to own the end-to-end dispute lifecycle and help protect Rain, our partners, and cardholders from financial and reputational risk. This role sits at the intersection of payments, compliance, and customer experience and is ideal for someone who thrives in detail-driven environments and enjoys solving complex problems with precision.

Requirements

  • Own the full disputes and chargebacks lifecycle, from intake and investigation through submission and resolution.
  • Manage and file disputes with card networks (Visa, Mastercard, and others), ensuring accuracy, completeness, and adherence to strict deadlines.
  • Investigate claims by reviewing transaction data, customer communications, merchant policies, and network rules.
  • Use internal tools and SQL-based queries to validate transaction details, timelines, and supporting evidence.
  • Prepare clear, evidence-backed responses that meet network standards and maximize recovery outcomes.
  • Track dispute progress and manage follow-ups, escalations, and deadlines across active cases.
  • Partner closely with CX, Fraud, Finance, and Operations teams to resolve cases efficiently and improve upstream processes.
  • Maintain accurate documentation to support audits, reporting, and compliance requirements.
  • Analyze dispute trends to identify root causes, reduce future losses, and recommend process improvements.
  • Support automation and tooling initiatives to improve dispute handling efficiency and accuracy.
  • Stay current on card network rules and regulatory requirements related to disputes and chargebacks.

Benefits

  • Unlimited time off
  • Flexible working
  • Easy to access benefits
  • Retirement goals
  • Equity plan
  • Rain Cards
  • Health and Wellness
  • Team summits
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