Join COLIBRIX ONE – Innovating the Future of PaymentsAt 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:General card processingDigital wallet infrastructureCross-border merchant accountsAlternative payment methods (APMs)Corporate accounts for legal entitiesWe’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 RoleAs aChargeback 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 ResponsibilitiesHandle incoming chargebacks in accordance with Visa and Mastercard scheme rulesManage the full dispute lifecycle: first chargeback, representment, pre-arbitration, arbitration,



and collaboration / pre-dispute casesAnalyze transaction data to prepare compelling representments and supporting documentationManage disputes across a diverse merchant portfolio spanning low - to high-risk profiles and varied business models, including one-off and recurring billing flowsTailor representment and dispute strategies to the merchant's risk profile and transaction modelMonitor chargeback ratios across merchant activity and identify patterns or spikes that require further investigationTrack merchant performance against scheme monitoring thresholds (Visa VAMP, Mastercard ECM/EFM) and flag emerging riskLeverage dispute prevention and deflection tools (Ethoca Alerts, Verifi Order Insight / CDRN, Visa RDR) to reduce dispute volumeCollaborate with internal teams - Risk, Settlement, and ComplianceCommunicate with issuer banks, acquiring banks, processors, and merchants to resolve dispute-related queriesContinuously evaluate dispute procedures and suggest improvements to increase win ratesWork to strict scheme response deadlines and SLAs without compromising qualityStay up to date with scheme rules, regulatory updates, and industry best practices in dispute managementPerform any other related duties or responsibilities as assignedWhat you need to succeed in this roleMinimum 2 years of experience in dispute management, preferably within a PSP,



EMI, or acquiring bankHands-on experience managing chargebacks for merchants across the full risk spectrum, from low-risk to high-risk verticalsStrong understanding of Visa and Mastercard scheme rules and the end-to-end dispute processExperience with dispute prevention / deflection tools (Ethoca, Verifi Order Insight / CDRN, RDR) is a strong advantageAwareness of scheme monitoring programs and thresholds (VAMP, ECM/EFM) and how dispute outcomes affect portfolio ratiosHigh attention to detail with strong organizational and documentation skillsAbility to analyze transaction flows, spot anomalies and present findings clearlyComfortable working in a fast-paced environment and managing multiple cases simultaneously to strict deadlinesExcellent written communication skills in a formal and professional styleStrong problem-solving mindset and ability to work independently while remaining aligned with team goals and guidanceFluency in English and Russian (additional languages are considered a plus)Proficiency in Microsoft Office, with strong expertise in Excel highly desirableHigher education in banking or economics, and experience in a regulated financial environment, are considered a plusWhat We OfferOpportunity to shape the future of fintech solutions within a growing companyCollaborative, horizontal team structure that values your expertise and ideasContinuous learning and development opportunities to enhance your skills and career growthCompetitive salary and benefits package* This position is offered within the COLIBRIXONE. Employment will be under the appropriate legal entity based on the role and location.#J-18808-Ljbffr

📌 Chargeback Specialist (Madrid)
🏢 Colibrix One
📍 Madrid