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.