Offer summary

Qualifications:

At least 2 years of experience in issuer fraud and dispute operations, preferably in fintech or issuer processing., Strong knowledge of fraud investigation practices and compliance with Federal Regulations E and Z, NACHA, Mastercard, and Visa rules., Excellent analytical, critical thinking, and communication skills, with attention to detail., Proficiency with Google Suite, Microsoft Office, and familiarity with case management systems, SQL, or data analysis tools is a plus..

Key responsibilities:

Monitor and investigate daily fraud activities and transaction patterns.

Handle customer disputes, chargebacks, and representments in accordance with regulations.

Communicate risk decisions and dispute outcomes clearly to clients.

Collaborate with risk, compliance, and product teams to improve processes.

Job description

Lithic creates card issuing and payment infrastructure for technology companies that just works. We help some of the world’s fastest-growing digital banks, fintech companies, and software companies process billions in transactions annually.

Position: Risk Operations Associate

Location: Remote PH

Lithic is seeking an experienced Risk Operations Associate to join our team in managing fraud, dispute, and chargeback operations while delivering exceptional client support. This role is critical to maintaining the integrity of our payment infrastructure and ensuring positive client experiences. You'll work at the intersection of fraud risk management and customer service, conducting complex investigations, making precise risk decisions, and continuously improving our operational processes. This position offers an exciting opportunity to develop deep expertise in payment risk operations while working with cutting-edge financial technology.

What You’ll Do:

Execute daily fraud monitoring and investigation workflows, analyzing transaction patterns and account behaviors to identify and mitigate fraudulent activity
Process and investigate customer disputes, chargebacks, representments, and arbitrations according to card network regulations and internal policies, ensuring timely resolution within mandated timeframes
Respond to customer inquiries providing clear explanations of risk decisions, dispute outcomes, and account actions
Conduct detailed investigations of suspicious activities, documenting findings and recommendations in case management systems
Make consistent risk decisions based on established policies while exercising sound judgment on edge cases
Collaborate with Risk, Compliance, and Product teams to identify trends and recommend process improvements
Maintain accurate records and reporting metrics for fraud losses, dispute volumes, and operational KPIs
Participate in quality assurance reviews, compliance testing, and internal audits to ensure operational excellence
Contribute to the development and refinement of standard operating procedures and training materials
Escalate complex cases and emerging risk patterns to senior team members and management

What You Bring:

2+ years of issuer fraud and dispute operations management, preferably with a fintech or issuer processor.
Expert knowledge and understanding of fraud and dispute investigation best practices, including how to comply with Federal Regulations E and Z, NACHA operating guidelines, and Mastercard and Visa operating rules
Strong analytical and critical thinking skills with the ability to synthesize information from multiple sources. You are naturally curious, love complex puzzles, and find satisfaction in root cause analyses.
Excellent written and verbal communication skills, with the ability to explain complex financial concepts clearly
Detail-oriented approach with proven ability to maintain accuracy while managing multiple priorities
Self-motivated with the ability to work independently and as part of a collaborative team
Ability to maintain confidentiality and handle sensitive financial information responsibly
Advanced Google Suite skills and Microsoft Office suite skills
Experience with case management systems, SQL, or data analysis tools is a plus

Base Salary: PHP 770,000 - 840,000

Benefits:

Health, vision, and dental insurance; HSA Contribution Match
Unlimited PTO
401(k) match
Voluntary Life Insurance and AD&D
3% cashback on all Privacy purchases
12-weeks fully paid parental leave
Work From Anywhere: work from anywhere in the world 4-weeks each year

We believe in-person collaboration boosts creativity, communication, and agility, which are key to our growth. Employees in the NYC area are asked to work from our SoHo office three days a week - Tuesdays and Thursdays are core in-office days - the third is flexible.

In-office employees receive: