Transact Campus

Banking Analyst – Chargeback & Payments Operations

Transact Campus

full-time

Posted on:

Location Type: Remote

Location: United States

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Salary

💰 $65,000 - $105,000 per year

About the role

  • Own and manage the full lifecycle of credit card chargeback disputes, including investigation, evidence gathering, submission, and outcome monitoring
  • Analyze ACH returns and ensure proper coding, documentation, and compliance alignment
  • Research, analyze, and respond to credit card chargeback inquiries; produce chargeback analysis summaries and reports
  • Perform daily banking operations including ACH processing, wires, payment postings, and reconciliation activities
  • Act as an escalation point for complex disputes or banking issues; provide executive summaries and recommendations
  • Develop and maintain chargeback reporting dashboards, analysis, risk assessments and handle ACH transfer rejections
  • Collaborate cross-functionally with Client Success, Support, and Sales to ensure timely and accurate client communication regarding disputes, inquiries and other banking-related matters
  • Identify and implement process improvements related to chargeback workflows, ACH return management, and overall banking operations
  • Ensure adherence to NACHA, card network, and internal compliance standards
  • Maintain high-quality documentation and audit-ready records for all dispute and banking processes
  • Maintains a current knowledge and consistent compliance with Bank Secrecy Act (BSA) requirements, as well as knowledge and consistent compliance with other banking regulations and Bank policies and procedures related to the position
  • Serve as an escalation point for resolving payment issues and provide guidance to support teams
  • Perform daily processing of client payment entries and other assigned banking tasks
  • Balancing and/or Processing ACH, Returned Deposit Items, Credit/Debit Card, Wire and other payment activities

Requirements

  • Bachelor’s degree in finance, Business Administration, Accounting, or related field (or equivalent experience)
  • 5+ years of banking operations experience, preferably within payment processing, financial operations or FinTech’s
  • 3+ years of direct experience with credit card network chargeback processes, ACH return rules, wire transfers, and compliance frameworks
  • Exceptional analytical, problem-solving, and documentation skills
  • Proven ability to operate with a business-oriented mindset when resolving issues and communicating with stakeholders
  • Highly detail-oriented with strong accuracy in financial transaction management
  • Proficiency in Microsoft Office, including Excel and Power BI (preferred)
  • Strong analytical and problem-solving skills
  • Proven propensity to learn new technologies and skills quickly
  • Ability to provide stellar client service to resolution
  • Thrives in a collaborative team environment with excellent communication skills
Benefits
  • Flexible time off to include paid holidays and volunteer time
  • Robust health, dental, and vision insurance plans on your first day of employment
  • Comprehensive employee assistance program (EAP)
  • Employer-paid life insurance/AD&D/short-term and long-term disability insurance
  • Flexible spending account (FSA) or health savings account (HSA)
  • Matched 401(k)
  • Employee stock purchase plan
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
credit card chargeback processesACH return ruleswire transferscompliance frameworksbanking operationsfinancial transaction managementdocumentation skillsrisk assessmentspayment processing
Soft Skills
analytical skillsproblem-solving skillsattention to detailclient servicecollaborationcommunication skillsbusiness-oriented mindsetability to learn quickly