Fraud Risk & Operations Analyst

Who We Are

The world is moving towards instant digital payments and TabaPay is leading the way. We help thousands of Fintechs in the US and Canada instantly move money in and out of accounts and we are actively expanding into other countries. Our customers represent the hottest verticals in the financial service industry such as neobanks, challenger brokers, gaming and wallets. TabaPay is a highly profitable rocketship that processes billions of dollars each year. To learn more visit www.tabapay.com.

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 

Benefits

TabaPay offers the following benefits:

100% employer-paid health care insurance including medical, dental, vision, and life insurance (for employee only)

Employer 401K Matching

Generous and Flexible PTO

EEO Employer: TabaPay is an equal opportunity employer; all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, Veteran status, or any other protected classification.