job description
Join BDO Unibank, one of the Philippines' leading financial institutions, as a Senior Chargeback & Acquiring Analyst and play a pivotal role in safeguarding our payment ecosystem. This fully remote position is perfect for professionals based in Bali, Indonesia (Canggu, Ubud, Denpasar, Jimbaran, Nusa Dua, Kuta, or Badung) who thrive in a dynamic, data-driven environment.
As a key member of our Payment Operations Team, you will analyze, process, and monitor chargeback transactions to minimize financial losses and ensure compliance with card network regulations. Your expertise will directly impact our fraud prevention strategies, dispute resolution efficiency, and merchant relationships. This role offers the flexibility of remote work while providing opportunities to collaborate with cross-functional teams across Southeast Asia.
If you have a sharp analytical mind, a passion for financial technology, and a track record of reducing chargeback ratios, we want to hear from you. BDO Unibank offers competitive compensation, professional development opportunities, and a supportive work culture that values innovation and integrity.
Donāt miss this chance to advance your career in financial services while enjoying the work-life balance of Baliās vibrant digital nomad community. Apply now and become part of a team thatās shaping the future of banking in the region!
Responsibility
- Analyze and process chargeback transactions to identify patterns, trends, and potential fraud risks.
- Monitor and reconcile chargeback cases to ensure timely resolution and compliance with card network rules (Visa, Mastercard, etc.).
- Collaborate with merchants, payment processors, and internal teams to dispute invalid chargebacks and recover funds.
- Develop and implement strategies to reduce chargeback ratios and improve dispute win rates.
- Prepare detailed reports on chargeback metrics, fraud trends, and financial impacts for senior management.
- Maintain up-to-date knowledge of payment industry regulations, fraud prevention tools, and emerging threats.
- Provide training and guidance to customer service teams on chargeback prevention and best practices.
- Optimize acquiring processes to enhance transaction approval rates and minimize false declines.
Qualifications
- Bachelorās degree in Finance, Accounting, Business Administration, or a related field.
- Minimum 3 years of experience in chargeback management, payment operations, or fraud prevention in the banking/financial services sector.
- Proficiency in card network rules (Visa, Mastercard, American Express) and chargeback dispute processes.
- Strong analytical skills with the ability to interpret complex transaction data and identify anomalies.
- Experience with payment processing platforms, fraud detection tools, and chargeback management systems (e.g., Ethoca, Verifi, Chargebacks911).
- Excellent communication skills in English, with the ability to articulate technical concepts to non-technical stakeholders.
- Certifications such as Certified Payments Professional (CPP) or Accredited ACH Professional (AAP) are a plus.
- Ability to work independently in a remote setting while maintaining high productivity and attention to detail.