Disputes & Chargebacks Specialist

About the Company

Rain makes the next generation of payments possible across the globe. We’re a lean and mighty team of passionate builders and veteran founders. Our infrastructure makes stablecoins usable in the real-world by powering card transactions, cross-border payments, B2B purchases, remittances, and more. We partner with fintechs, neobanks, and institutions to help them launch solutions that are global, inclusive, and efficient. You will have the opportunity to deliver massive impact at a hypergrowth company that is funded by some of the top investors in fintech, crypto, and SaaS, including Sapphire Ventures, Norwest, Galaxy Ventures, Lightspeed, Khosla, and several more. If you’re curious, bold, and excited to help shape a borderless financial future, we’d love to talk.

Our Ethos

We believe in an open and flat structure. You will be able to grow into the role that most aligns with your goals. Our team members at all levels have the freedom to explore ideas and impact the roadmap and vision of our company.

About the Role

We’re hiring a Disputes & Chargebacks Specialist to own the end-to-end dispute lifecycle and help protect Rain, our partners, and cardholders from financial and reputational risk. This role sits at the intersection of payments, compliance, and customer experience and is ideal for someone who thrives in detail-driven environments and enjoys solving complex problems with precision.

What You’ll Do

• Own the full disputes and chargebacks lifecycle, from intake and investigation through submission and resolution.

• Manage and file disputes with card networks (Visa, Mastercard, and others), ensuring accuracy, completeness, and adherence to strict deadlines.

• Investigate claims by reviewing transaction data, customer communications, merchant policies, and network rules.

• Use internal tools and SQL-based queries to validate transaction details, timelines, and supporting evidence.

• Prepare clear, evidence-backed responses that meet network standards and maximize recovery outcomes.

• Track dispute progress and manage follow-ups, escalations, and deadlines across active cases.

• Partner closely with CX, Fraud, Finance, and Operations teams to resolve cases efficiently and improve upstream processes.

• Maintain accurate documentation to support audits, reporting, and compliance requirements.

• Analyze dispute trends to identify root causes, reduce future losses, and recommend process improvements.

• Support automation and tooling initiatives to improve dispute handling efficiency and accuracy.

• Stay current on card network rules and regulatory requirements related to disputes and chargebacks.

What You’ll Bring

• 3–5 years of hands-on experience managing card disputes and chargebacks, ideally in fintech, payments, or banking.

• Strong working knowledge of Visa and Mastercard dispute categories, workflows, and evidence requirements.

• Comfort working with data, including writing basic SQL queries to investigate transactions, validate evidence, and support reporting.

• Exceptional attention to detail with strong analytical and organizational skills.

• Clear written and verbal communication skills, including the ability to draft persuasive dispute responses.

• Comfort managing high volumes of cases under strict timelines.

• Familiarity with dispute management tools, CRM systems, and spreadsheets (Excel or Google Sheets).

• A proactive, problem-solving mindset — you look for patterns and ways to prevent repeat issues.

• Curiosity and adaptability in a fast-growing, mission-driven fintech environment.

Things that enable a fulfilling, healthy and happy experience at Rain:

Unlimited time off 🌴Unlimited vacation can be daunting, so we require Rainmakers to take 10 days minimum for themselves.

Flexible working ☕ We support a flexible workplace, if you feel comfortable at home please work from home. If you’d like to work with others in an office feel free to come in. We want everyone to be able to work in the environment in which they are their most confident and productive selves. New Rainmakers will have a stipend to create a comfortable atmosphere at home.

Easy to access benefits 🧠For US Rainmakers, we offer comprehensive health, dental and vision plans for you and your dependents, as well as a 100% company subsidized life insurance plan.

Retirement goals💡Plan for the future with confidence. We offer a 401(k) with a 4% company match.

Equity plan 📦 We offer every Rainmakers an equity option plan so we can all can benefit from our success.

Rain Cards 🌧️ We want Rainmakers to be knowledgeable about our core products and services. To support this mission, we issue a card for our team to utilize the card for testing.

Health and Wellness 📚 High performance begins from within. Rainmakers are welcome to use their card for eligible health and wellness spending like gym memberships/fitness classes, massages, acupuncture - whatever recharges you!
Team summits ✨ Summits play an important role at Rain! Time spent together helps us get to know each other, strengthen our relationships, and build a common destiny. Expect team and company offsites both domestically and internationally.