Who are we?
Payclip is changing the way payments work in Mexico! We are empowering people to exchange value directly from a mobile device. Clip enables anyone to accept card payments, at any time, and anywhere by turning your smartphone or tablet into a card terminal. We're a well-funded quickly growing FinTech startup. We are the leaders in our market and are accelerating to extend our lead and move into new markets.
The Role
We are looking for a Disputes & Chargebacks Manager to be part of this amazing and fast-growing Fintech. At Clip, this candidate will be a key member of the Payments and Fraud & Risk Management teams with responsibility to deploy risk management strategies and capabilities to ensure delivery on disputes management, chargebacks collection and fraud loss target while managing customer experience. S/He will participate in the design and validation of platform and tools and their implementation. This person should thrive in a culture of decision based on analytics and Data Science, be able to step-back and communicate both the strategy and immediate implications on priorities. This candidate must have strong written and verbal communications skills in both English and Spanish and be willing to continue learning and loving Analytics, risk management, and fraud prevention.
What will I be doing?
Processing and disputing credit card chargebacks and inquiries to recover funds - including investigations of chargebacks and communications with external partners.
Analyzing information, thinking through difficult problems, and making critical decisions based on limited information.
Tracking and providing statistics on chargebacks for the Finance Management Team.
Tracking and maintaining fraud incident reports and other related analyses.
Making certain that all chargeback activities are handled in accordance with regulatory requirements.
Reporting on Fraudulent vs Service related chargebacks, actions taken, and results obtained.
Communicating with our Payment Processors on our external partner's queries.
Compiling the figures from various databases to build the team's monthly chargeback report.
Validating chargeback reports by utilizing internal and external software systems.
Identifying risk factors and trends of potentially fraudulent activity utilizing technical data analysis and statistical interpretation.
Extracting and analyzing data, investigating data integrity, generating metrics, and performing data and portfolio analysis.
Partnering with Engineering, Product, Operations, and Business teams to conceive, design, and monitor Disputes & Chargebacks strategies to mitigate fraud losses in the most precise manner possible; recommending which product features to build and why.
Ideal Candidate
At least 5 years of fraud prevention and risk management experience with traditional and non-traditional payments companies.
Bachelor's Degree in Finance, Mathematics, Actuary or Statistics and strong quantitative analytical experience, including background with statistical modeling & analysis.
Extensive knowledge of card-not-present (CNP) and card-present fraud schemes in Mexico and Latin America, its risk prevention methods and the detection tools for all types of environments.
Deep understanding of the online payments landscape across all participants – issuer, merchant, acquirer and network.
Proficient in data analysis tools like SQL, Looker, etc.
Experience mitigating fraud losses not only related to payments, such as account takeover, phishing, online card testing, etc.
Creative problem solver and team-focused; can synthesize information and make clear, concise recommendations on a course of action, and rally teams and stakeholders alike.
Technical Knowledge
Proven knowledge on risk analytics (Credit and fraud prevention), in the financial industry (preferably in credit cards).
Strong knowledge of payments and financial products and services industry in Mexico, including key players and trends.
Excellent written and verbal communication with ability to create clear and concise summary documents of ongoing processes and provide detailed instructions to team members.
Ability to analyze complex situations and provide guidance, make recommendations, and/or escalate arising issues timely.
Strong organization skills and ability to handle multiple projects efficiently in order to ensure projects are completed timely.
Able to interact and communicate effectively with all management levels to assess business needs in a professional manner.
In Clip, we are committed to a diverse and inclusive workplace. Clip does not discriminate under any basis of origin, gender, gender identity, sexual orientation, race, disability, age or other legal status. Clip is an equal opportunity employer.
If you are unstoppable, creative and have the skills we need, we want to hear from you!
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