Colibrix One

Global payments platform for corporate accounts

Chargeback Specialist

Regulatory Compliance & EthicsPosted on Nov 9

Full-timeKraków, PolandNo salary listed

About the Job

Requirements

A minimum of 2 years of experience in dispute management, preferably within a payment service provider, electronic money institution, or acquiring bank.
Hands-on experience managing chargebacks for merchants across the full risk spectrum, from low-risk to high-risk verticals.
A strong understanding of Visa and Mastercard scheme rules and the end-to-end dispute process.
Awareness of scheme monitoring programs and thresholds, including Visa VAMP and Mastercard ECM/EFM, and how dispute outcomes affect portfolio ratios.
High attention to detail and strong organizational and documentation skills.
Ability to analyze transaction flows, identify anomalies, and present findings clearly.
Ability to manage multiple cases simultaneously to strict deadlines in a fast-paced environment.
Excellent written communication skills in a formal and professional style.
A strong problem-solving mindset and ability to work independently while remaining aligned with team goals and guidance.
Fluency in English and Russian.
Proficiency in Microsoft Office.
Higher education in banking or economics and experience in a regulated financial environment are considered a plus.

Responsibilities

Handle incoming chargebacks in accordance with Visa and Mastercard scheme rules.
Manage the full dispute lifecycle, including first chargeback, representment, pre-arbitration, arbitration, collaboration, and pre-dispute cases.
Analyze transaction data to prepare representments and supporting documentation.
Manage disputes across a diverse merchant portfolio spanning low- to high-risk profiles and varied business models, including one-off and recurring billing flows.
Tailor representment and dispute strategies to each merchant's risk profile and transaction model.
Monitor chargeback ratios across merchant activity and identify patterns or spikes requiring further investigation.
Track merchant performance against scheme monitoring thresholds, including Visa VAMP and Mastercard ECM/EFM, and flag emerging risk.
Use dispute prevention and deflection tools, including Ethoca Alerts, Verifi Order Insight/CDRN, and Visa RDR, to reduce dispute volume.
Collaborate with internal Risk, Settlement, and Compliance teams.
Communicate with issuer banks, acquiring banks, processors, and merchants to resolve dispute-related queries.
Evaluate dispute procedures and suggest improvements to increase win rates.
Meet strict scheme response deadlines and service-level agreements without compromising quality.
Stay up to date with scheme rules, regulatory updates, and industry best practices in dispute management.
Perform other related duties and responsibilities as assigned.

Desired Qualifications

Experience with dispute prevention and deflection tools, including Ethoca, Verifi Order Insight/CDRN, and RDR, is a strong advantage.
Strong expertise in Excel is highly desirable.
Higher education in banking or economics and experience in a regulated financial environment are considered a plus.
Additional languages are considered a plus.

Chargeback Specialist

Colibrix One · Kraków, Poland (Hybrid) · — · Posted 2026-11-09

Workplace: hybrid

Description

Join COLIBRIX ONE – Innovating the Future of Payments

At COLIBRIX ONE*, we’re building advanced, AI-powered payment technologies that support Payment Service Providers (PSPs), Electronic Money Institutions (EMIs), and neobanks across the EU and the UK. As a fully licensed Electronic Money Institution (FCA Reference No. 927920) and holder of a Financial Institution Licence issued by the MFSA, as well as a principal member of both VISA and Mastercard, we provide comprehensive, real-world financial solutions that include:

Global card processing
Digital wallet infrastructure
Cross-border merchant accounts
Alternative payment methods (APMs)
Corporate accounts for legal entities

We’re a fast-growing team with a passion for innovation, security, and scalability. Our culture values curiosity, collaboration, and impact - and we’re looking for talented professionals who are ready to shape the future of fintech.

At COLIBRIX ONE, your work directly powers the digital economy. If you're eager to solve meaningful challenges and build with purpose, we’d love to hear from you.

The Role

As a Chargeback Specialist, you will manage the end-to-end card dispute process within an acquiring environment under Visa and Mastercard schemes. You will analyze transactions, prepare representments, and collaborate with banks and merchants to resolve disputes and improve win rates. The role also involves monitoring chargeback trends across a diverse merchant portfolio, supporting risk mitigation efforts, and ensuring compliance with scheme rules in a fast-paced fintech setting.

Key Responsibilities

Handle incoming chargebacks in accordance with Visa and Mastercard scheme rules
Manage the full dispute lifecycle: first chargeback, representment, pre-arbitration, arbitration, and collaboration / pre-dispute cases
Analyze transaction data to prepare compelling representments and supporting documentation
Manage disputes across a diverse merchant portfolio spanning low - to high-risk profiles and varied business models, including one-off and recurring billing flows
Tailor representment and dispute strategies to the merchant's risk profile and transaction model
Monitor chargeback ratios across merchant activity and identify patterns or spikes that require further investigation
Track merchant performance against scheme monitoring thresholds (Visa VAMP, Mastercard ECM/EFM) and flag emerging risk
Leverage dispute prevention and deflection tools (Ethoca Alerts, Verifi Order Insight / CDRN, Visa RDR) to reduce dispute volume
Collaborate with internal teams - Risk, Settlement, and Compliance
Communicate with issuer banks, acquiring banks, processors, and merchants to resolve dispute-related queries
Continuously evaluate dispute procedures and suggest improvements to increase win rates
Work to strict scheme response deadlines and SLAs without compromising quality
Stay up to date with scheme rules, regulatory updates, and industry best practices in dispute management
Perform any other related duties or responsibilities as assigned

What you need to succeed in this role

Minimum 2 years of experience in dispute management, preferably within a PSP, EMI, or acquiring bank
Hands-on experience managing chargebacks for merchants across the full risk spectrum, from low-risk to high-risk verticals
Strong understanding of Visa and Mastercard scheme rules and the end-to-end dispute process
Experience with dispute prevention / deflection tools (Ethoca, Verifi Order Insight / CDRN, RDR) is a strong advantage
Awareness of scheme monitoring programs and thresholds (VAMP, ECM/EFM) and how dispute outcomes affect portfolio ratios
High attention to detail with strong organizational and documentation skills
Ability to analyze transaction flows, spot anomalies, and present findings clearly
Comfortable working in a fast-paced environment and managing multiple cases simultaneously to strict deadlines
Excellent written communication skills in a formal and professional style
Strong problem-solving mindset and ability to work independently while remaining aligned with team goals and guidance
Fluency in English and Russian (additional languages are considered a plus)
Proficiency in Microsoft Office, with strong expertise in Excel highly desirable
Higher education in banking or economics, and experience in a regulated financial environment, are considered a plus

What We Offer

Opportunity to shape the future of fintech solutions within a growing company
Collaborative, horizontal team structure that values your expertise and ideas
Continuous learning and development opportunities to enhance your skills and career growth
Competitive salary and benefits package

* This position is offered within the COLIBRIX ONE. Employment will be under the appropriate legal entity based on the role and location.

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Apply at Colibrix One

About the Company

Colibrix One

Global payments platform for corporate accounts

COLIBRIX ONE offers a unified fintech platform that combines global payments, corporate multi-currency accounts, virtual cards, mass payouts, and IT tools for businesses. It operates a single ecosystem where companies can manage, move, and accept funds worldwide using Visa/Mastercard networks, APMs, and Maltese IBANs with SEPA Instant, plus instant virtual card issuance. It stands out by holding UK FCA EMI and MFSA licenses and Visa/Mastercard principal memberships, enabling direct access to major payment rails and integrated compliance features. The goal is to simplify financial operations for digital businesses by delivering an end-to-end payments and financial infrastructure platform on a global scale.

Company size: Not listed
Company stage: Not listed
Total funding: Not listed
Headquarters: Not listed
Founded: 2020

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