Fraud Risk & Operations Analyst

Position Summary 

TabaPay is seeking a Fraud Risk & Operations Analyst to support the organization’s growing fraud risk, dispute management, onboarding support, and operational risk initiatives. 

This role is designed as a hybrid operational and analytical position responsible for supporting chargeback operations, fraud risk initiatives, transaction monitoring support efforts, onboarding operational support, network monitoring support, and portfolio-level risk mitigation activities across the organization. 

The ideal candidate has experience in chargeback operations, fraud analysis, transaction monitoring, operational risk support, and client servicing within the payments, fintech, banking, or card processing industry. This role requires strong analytical skills, operational discipline, attention to detail, and the ability to work cross-functionally across Fraud Risk, Compliance, Product, Operations, and Account Management teams. 

This position will play a critical role in supporting operational scalability, protecting revenue, reducing fraud exposure, and enhancing the client experience as TabaPay continues to grow. 

Role Overview 

This role is intended to support operational execution and fraud risk support functions within the Fraud Risk & Chargebacks organization. 

The position combines: 

• chargeback and dispute operations, 

• fraud risk analysis, 

• transaction monitoring support, 

• onboarding operational support, 

• network monitoring support, 

• and white-glove client servicing responsibilities. 

• The role is designed to support the continued scalability and maturity of the organization’s fraud risk and operational governance framework. 

Key Responsibilities 

• Chargeback Operations & Dispute Management 

• Manage end-to-end chargeback and dispute lifecycle processing across Visa, Mastercard, and alternative payment rails 

• Review and prepare representment packages and supporting documentation 

• Submit disputes within required network and internal SLAs 

• Monitor dispute queues, aging reports, and operational backlogs 

• Track dispute outcomes, recovery rates, and portfolio trends 

• Assist with compelling evidence development and dispute response optimization 

• Support escalated client inquiries related to chargebacks and dispute processing 

• Maintain accurate operational documentation and reporting 

• Support white-glove operational servicing for strategic or high-volume clients 

Fraud Operations, Reported Fraud & Risk Support 

• Review reported fraud activity and assist with fraud-related operational investigations  

• Support analysis of fraud trends, dispute activity, and elevated merchant behavior across the portfolio  

• Assist with operational monitoring of fraud exposure, chargeback trends, and emerging risk patterns  

• Support fraud-related operational reviews tied to reported fraud, dispute activity, and portfolio performance  

• Assist leadership with operational analysis related to fraud events, chargeback activity, and client risk trends  

• Escalate suspicious activity, abnormal fraud patterns, and operational concerns to leadership  

• Support portfolio-level fraud and chargeback reporting initiatives  

• Assist with monitoring observations and operational support related to fraud prevention controls and risk mitigation efforts  

• Support white-glove fraud and dispute operational support for strategic or high-volume clients  

Network Monitoring, Portfolio Oversight & Reporting Support 

• Assist with monitoring portfolio exposure related to Visa and Mastercard programs, including: 

• Visa Acquiring Merchant Program (VAMP) 

• Mastercard ECM/EFM/HECM programs 

• Support tracking of fraud and chargeback ratios across merchants and portfolios 

• Assist with remediation tracking for elevated merchants or portfolios 

• Support operational reporting related to fraud, disputes, and portfolio risk exposure 

• Prepare operational reports and portfolio summaries for internal stakeholders 

• Client Support & White-Glove Operational Service 

• Provide operational support to strategic and high-volume clients 

• Assist clients with understanding dispute reason codes, timelines, and evidence requirements 

• Support client portfolio reviews and operational fraud discussions 

• Deliver high-touch operational support related to chargeback trends, dispute performance, and fraud-related operational inquiries 

• Assist with client education related to fraud controls and dispute best practices 

Cross-Functional Partnership & Program Support 

• Partner with Fraud Risk, Compliance, Product, Operations, and Account Management teams 

• Support onboarding operational reviews, MRPC / CRCA workflow coordination, and fraud control assessment follow-up items 

• Assist with DataVisor and transaction monitoring operational initiatives 

• Contribute to process improvement and operational scalability initiatives 

• Assist with development and maintenance of SOPs, operational documentation, and reporting standards 

• Support audit, sponsor bank, and operational review requests as needed 

Qualifications & Experience 

Required Qualifications 

• 3+ years of experience in chargebacks, fraud operations, transaction monitoring, or payments risk management 

• Experience working within fintech, payments, banking, card processing, or financial services environments 

• Strong understanding of Visa and Mastercard dispute processes and chargeback lifecycle management 

• Familiarity with fraud prevention concepts, transaction monitoring, and operational risk management 

• Strong analytical and problem-solving skills 

• Excellent written and verbal communication skills 

• Ability to manage multiple priorities in a fast-paced environment 

• Strong attention to detail and organizational skills 

• Experience working with spreadsheets, reporting tools, and operational dashboards 

Preferred Qualifications 

• Experience with DataVisor or other fraud monitoring platforms 

• Experience supporting AFT, OCT, ACH, RTP, or digital wallet payment flows 

• Familiarity with Visa VAMP and Mastercard monitoring programs 

• Experience working directly with clients or sponsor banks 

• Experience creating operational procedures, reporting, or workflow documentation 

• Knowledge of fraud tools including AVS, ANI, 3DS, velocity controls, and layered fraud prevention strategies 

Key Competencies 

• Fraud & Risk Analysis 

• Chargeback Operations 

• Transaction Monitoring 

• Operational Risk Management 

• Client Communication & Support 

• Critical Thinking & Investigation Skills 

• Cross-Functional Collaboration 

• Process Improvement 

• Data Analysis & Reporting 

• Organizational & Time Management Skills 

Organizational Impact 

This role supports several critical operational and fraud risk functions across the organization, including: 

• Revenue protection and chargeback recovery 

• Fraud detection and risk mitigation 

• Client operational support and retention 

• Network monitoring and compliance support 

• Transaction monitoring operations 

• Operational scalability and process improvement 

• Portfolio-level operational support and analysis 

As TabaPay continues to grow, this role will help strengthen operational scalability, fraud risk support capabilities, dispute management operations, and client servicing functions while contributing to the long-term maturity of the Fraud Risk & Chargebacks organization. 

The position is intended to support operational execution and portfolio support activities while enabling leadership to maintain focus on strategic fraud governance, onboarding risk oversight, network monitoring governance, and enterprise risk management initiatives. 

Reporting Structure 

This position reports to the Senior Manager, Fraud Risk & Chargebacks and works closely with Compliance, Product, Operations, Insights, and Account Management teams. 

Work Environment 

• Fast-paced fintech and payments environment 

• Cross-functional collaboration with multiple business units 

• Combination of operational execution, analytical review, and strategic support 

• Opportunity to contribute to the growth and development of fraud risk and chargeback programs