# Dispute Analyst - X Payments

**Company**: xAI
**Location**: Bastrop, TX
**Work arrangement**: onsite
**Experience**: mid
**Job type**: full-time
**Category**: Finance
**Industry**: Finance
**Wikidata**: https://www.wikidata.org/wiki/Q120599684

**Apply**: https://job-boards.greenhouse.io/xai/jobs/4959599007
**Canonical**: https://yubhub.co/jobs/job_7936ffdc-86f

## Description

### Job Description

X Payments seeks a Dispute Analyst for our Risk Operations team to investigate and resolve customer disputes across P2P, debit/credit card, and ACH channels.

You'll assess claims, manage provisional credits, and ensure compliance with Regulation E, NACHA, and network rules. This fast-paced role requires strong analytical skills and collaboration with Fraud, Compliance, and Customer Support teams to deliver timely, fair resolutions while minimizing business risk.

### Responsibilities

- Investigate incoming customer disputes across P2P, debit/credit card, and ACH transactions, ensuring compliance with internal policies and regulatory standards.

- Validate chargeback rights and ensure required documentation is complete before initiating a dispute with networks or processors.

- Manage and track the issuance of provisional credits, ensuring adherence to Regulation E timeframes and NACHA rules for ACH claims.

- Maintain accurate and detailed case documentation within internal systems for audit readiness.

- Collaborate with internal teams (Fraud, Compliance,) to gather information, resolve gaps, and escalate high-risk or complex cases.

- Respond to representments, pre-arbitration, and final decisions from processors or networks; escalate unresolved or disputable cases as needed.

- Monitor dispute aging and ensure deadlines are met for all required actions, including filings, evidence submissions, and customer communications.

- Communicate resolution outcomes to customers with professionalism and clarity, adjusting for tone and regulatory requirements.

- Identify dispute trends or emerging issues and provide insights to leadership for process or policy improvements.

- Support audits, reporting, and quality assurance reviews by maintaining defensible case notes and outcome records.

### Basic Qualifications

- 3+ years of experience handling disputes involving debit or credit card transactions.

- Strong working knowledge of Regulation E (Electronic Fund Transfers Act), NACHA rules, and card network chargeback guidelines (Visa, Mastercard).

- Experience handling consumer disputes end to end across multiple payment types (P2P, debit/credit card, and ACH).

- Excellent written communication skills with the ability to draft clear, accurate, and compliant case notes and customer responses.

- Detail-oriented with strong organizational skills and the ability to meet strict deadlines in a fast-paced environment.

- Familiarity with dispute systems, case management platforms, and CRM tools.

- Analytical and investigative mindset with sound judgment and decision-making abilities.

- Bachelor’s degree in Finance, Business, Criminal Justice, or a related field preferred; relevant certifications (e.g., ETA CPP, CFE) a plus.

## Skills

### Required
- Regulation E
- NACHA rules
- Card network chargeback guidelines
- Dispute systems
- Case management platforms
- CRM tools