Location:
China
Department: Security & Risk Management
Location: China
Job Description
Handle chargeback disputes
- Perform investigations and analysis of cardholder disputed transactions as per card scheme or e-wallet regulation.
- Work through chargeback cases ensuring time-sensitive processing of the work for bank, e-wallet, and card scheme regulatory guidelines.
- Manage all aspects of the chargeback and dispute process from data collection and processing, issuing provisional credits determining correct reasoning, and final adjudication.
- Keep current on card scheme rules and regulation
- Drive the implementation of the chargeback management system, and collaborate with our technology partners to ensure the business requirements are supported while ensuring technology functionality and performance appropriately support chargeback management
- Complete training and remain current in tools and skills related to chargeback processing, internal control procedures, and SOP.
- Analyze transaction challenges that cause chargeback losses, troubleshoot to determine causes, and work with subject matter experts to identify and execute solutions.
- 根据卡组织或第三方电子钱包拒付要求，对拒付争议的交易进行调查和分析，确保拒付案件处理的有效性和及时性
- 通过建立有效的拒付管理流程，有效管理从信息收集，用户沟通，和证据整理，抗辩申诉的全流程，最大程度减少由于拒付导致的资金损失
- 与风控技术和产品团队合作，主导和推动拒付管理系统的开发和落地，确保产品功能和性能能很好地支持持拒付风险管理的日常审核运营需求
- 持续保持对卡组织，第三方电子钱包的最新拒付处理、内控程序和SOP制度的深入了解，熟悉相关处理操作工具和平台，支持对拒付处理团队的培训
- 分析导致拒付损失的根本原因，并与风控策略团队合作制定和执行降低拒付风险的解决方案
Job Requirements
Requirements/Qualifications(must have)
Functional Skills:
Functional Skills:
- 3+ years of chargeback experience in acquiring card schemes, banks, 3rd party payment service providers.(e-walllets, payment agencies, etc), or 3rd party chargeback management agencies.
- Strong understanding of the payment technology industry (including chargeback/dispute lifecycle/toolkits)
- Results-oriented and comfortable working in a fast-paced environment requiring prioritization and ownership
- Confident communicator with the ability to interact at all levels, including working closely with cross-functional teams
- Aptitude to identify new ways to approach risk management and to think creatively
- 非常熟悉各大卡组织（Visa，MasterCard，AE等）的拒付管理规则和管理规定，发卡行判责规则等等
- 在卡组织，银行，第三方支付服务提供商（电子钱包、支付机构等）或第三方支付风险管理机构方面拥有2年以上的拒付案件调查经验
- 金融科技/在线支付平台经验，尤其是移动支付，对涉及支付行业的欺诈模式有深入的了解（包括调查方法和工具）
- 协同业务、产品、技术等多部门或团队、清晰地表达风控需求，并推动风控方案落地；能够和业务良好沟通，根据不同业务场景需求，制定风控方案并落地
- 结果驱动并且能适应快节奏高强度的工作环境，良好的沟通协作能力和项目管理能力，乐观担当务实，不惧挑战
- 具备专业的项目管理能力、跨团队协调能力，能管理好过程，拿到预期结果
- 工作交流以英文为主，但要求有基础的英语书写和口语表达能力，有海外求学或工作经验者优先
