Chargeback Officer
At RAKBANK, we believe in fostering a culture of innovation, growth, and excellence. We are not just a bank – we are a community that thrives on teamwork, cutting-edge solutions, and the highest standards of governance.
Skills
About This Role
Overview
At RAKBANK, we believe in fostering a culture of innovation, growth, and excellence.
We are not just a bank – we are a community that thrives on teamwork, cutting-edge solutions, and the highest standards of governance.
Responsible for managing end-to-end chargeback operations across issuing and acquiring, including dispute handling, reporting (FLD/TC-40), fee recovery, and fund settlements.
Ensures all activities are executed efficiently, securely, and in compliance with bank policies, regulatory standards, and service level agreements
***.
What You’ll Be Doin***
- g:
- Manage end-to-end chargeback operations including copy requests, disputes, fraud reporting, pre-arbitration, and compliance as per Visa/Mastercard regulatio
- ns.Monitor incoming chargebacks and ensure timely processing and posting of debits to merchant accounts with required approva
- ls.Conduct monthly monitoring of excessive chargebacks in line with scheme regulations and highlight ris
- ks.Process temporary credits accurately in the card system in accordance with internal policies and contro
- ls.Ensure timely and clear communication with customers at every stage of the dispute lifecyc
- le.Submit all chargeback and compliance documentation to card schemes/member banks within stipulated timelin
- es.Supervise and guide chargeback processing staff to ensure adherence to policies, procedures, and service standar
- ds.Deliver high-quality service to internal and external stakeholders, meeting defined SLAs and customer expectatio
- ns.Validate customer requests and ensure accuracy before processing transactions or system updat
- es.Generate and analyze chargeback, copy request, and fraud reports from Visa/Mastercard syste
- ms.Identify and report fraudulent transactions, ensuring compliance with SAFE/TC40 and other scheme reporting requiremen
- ts.Reconcile chargeback suspense accounts, follow up on outstanding entries, minimize losses, and maintain strong controls and documentati
- ***on.
What We’re Looking***
- For:University degree or equivalent qualificat
- ion.At least 2 years of experience in chargeback in card operations and thorough understanding of Visa International / MasterCard International Operating/UAE switch regulations on acquiring & Issuing Chargeba
- ***cks.
What You Should***
- HaveAbility to handle Chargebacks/ copy requests within the timeframe set out in Visa /MasterCard Operating regulat
- ions.Ability to identify possible fraud charges and take necessary steps to protect Bank’s inter
- ests.Ability to exercise judgement and interpret Visa / MasterCard operating regulations in a manner that protect the customer’s and bank’s inter
- ests.Maintain both efficiency in operations and quality in service delivery at the same
- time.Ability to handle exceptional processes / large volume of business and maintain service deli
- very.Understand and adapt to changing technological advances in credit cards indu
- ***stry.
What’s In It Fo***
- r You:Competitive, performance-linked compens
- ation.Medical coverage for you and your f
- amily.Comprehensive life insu
- rance.Inclusive and diverse workplace cu
- lture.Career development and fast-track growth opportun
- ities.Mentorship from industry ex
- perts.
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