Card Operations Specialist

Role Overview:
We are looking for a detail-oriented Card Operations Specialist to join our growing payments operations team. The ideal candidate will have hands-on experience managing card scheme disputes and fraud operations, particularly submitting and managing chargebacks through Visa and Mastercard systems such as VROL and Mastercom.

This role is suited for someone with experience in a fintech or card-issuing environment, who understands the full lifecycle of card transactions, disputes, and fraud reporting processes.

Responsibilities:

• Submit and manage chargebacks and dispute cases through card scheme platforms (Visa and Mastercard).
• Handle disputes using tools such as VROL and Mastercom.
• Monitor compromised accounts and take the necessary action to protect the business from potential fraud.
• Monitor and process fraud reporting and coordinate with internal Risk, AML, and Compliance teams.
• Investigate disputed transactions and gather required documentation to support representment.
• Track and manage dispute timelines, ensuring compliance with card scheme rules and deadlines.
• Support operational processes related to BIN sponsorship programs such as reconciliations and program monitoring.
• Process the top-ups of prepaid cards.
• Maintain accurate records of disputes, fraud cases, and operational metrics.
• Assist in improving dispute and fraud workflows to enhance operational efficiency.
• Stay updated on card scheme rules, regulations, and operational best practices.
• Address client queries promptly and professionally. 

• Work cohesively with other members of the Company to achieve set goals and objectives. 

• Assist your line manager with ad hoc departmental tasks. 

Required qualifications, experience, and skills:

• 2 to 3 years of experience in card operations, disputes, or fraud operations.
• Proven experience submitting and managing chargebacks using VROL and Mastercom.
• Experience working in a fintech, payments, or card issuing environment.
• Knowledge of card issuance processes.
• Familiarity with BIN sponsorship models and issuer–processor relationships.
• Strong analytical and investigative skills with attention to detail.
• Proficiency in Microsoft Office tools. 
• Ability to manage multiple cases while meeting strict scheme deadlines.
• Strong communication and documentation skills.
• Ability to work on his / her own initiative and as part of a team.
• A diploma in Finance, Banking or in a relevant field would be considered an asset.

What we offer:

• Competitive salary
• Clear growth path and opportunities in a rapidly growing business
• Comprehensive health and wellness benefits package
• Hybrid Working and flexibility
• Professional development opportunities
• Collaborative and inclusive work environment
• Opportunity to make a significant impact on the company’s growth and success