# Chargebacks Expert **Company**: bunq **Location**: Amsterdam, Noord-Holland **Work arrangement**: hybrid **Experience**: senior **Job type**: Full-time **Category**: Finance **Industry**: Finance **Apply**: https://careers.bunq.com/o/chargebacks-expert?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply **Canonical**: https://yubhub.co/jobs/job_b18d3984-0ff ## Description As a Chargebacks Expert, you will play a key role in protecting bunq's users by ensuring Mastercard / Adyen disputes are handled accurately, fairly, and in line with Mastercard and PSD2 requirements. Taking end-to-end ownership of the chargeback process, you will leverage your expertise, together with AI, automation, and data-driven insights, to continuously strengthen bunq's operations, scale impact, and deliver a transparent, high-quality experience that gives users confidence every step of the way. **Key Responsibilities:** - Maintain a single, central operational playbook and decision framework that defines the full end-to-end chargeback process from submission to closure. - Define and track clear operational performance metrics to drive regular performance reviews and continuous improvement. - Leverage AI and automation to streamline submission flows, support decision-making during investigations, and keep users proactively updated on their case status. - Conduct regular gap analyses to identify structural inefficiencies and quality gaps, translating insights into actionable corrective action plans. - Optimize the user-facing chargeback flow and communication templates to minimize friction and ensure clear, empathetic, and consistent support. - Ensure full compliance with global payment regulations and card scheme rules, continuously updating guidelines to mitigate regulatory risks. **Requirements:** - You have an AI-first mindset: You love turning manual processes into scalable AI solutions, constantly seeking ways to automate operations and scale impact. - You have deep Chargeback understanding: You possess strong expertise in chargebacks, cards operations, merchant disputes. - You are a relentless problem solver: You hunt for the root cause of operational issues using data instead of opinions, ensuring permanent and systemic fixes. - You possess a Get Shit Done mentality: You thrive on hands-on execution and ownership, happy to manage urgent issues to resolution and personally tackle complex cases to learn from experience. - You have proven data analysis skills: You can easily interpret operational insights and user feedback to implement actionable, measurable improvements. - You are an effective communicator: You are fluent in English with perfect written and spoken clarity, enabling seamless stakeholder management and process adoption. **Your Space to Perform:** - Great, international colleagues who share your mindset - Hybrid setup: after 3 months in-office, work 2 days remote, 3 days in-office weekly. - Support growth with bunq Academy and €1500 annual learning budget - Flex Benefits: €70 monthly budget via Re: benefit, offering access to 150+ perks tailored to your lifestyle. - Travel expenses are covered whether you come walking or by bike, bus or car (though we prefer green choices) (in the Netherlands) - Digital Nomad Program: After your first year, enjoy up to 20 days per year to work while traveling, combining flexibility with strong team collaboration - We reward tenure with a dedicated travel budget: €1.5k after 2 years and €3k after 4 years to visit another core office. - A MacBook so you can Get Shit Done with us - Delicious lunches from our fabulous in-house chefs with vegan and vegetarian options - An optional pension plan with monthly contribution from bunq (in the Netherlands) - Private health insurance, just in case (in Turkey or Bulgaria) - €60 monthly allowance via Alleo by Epassi, rolling over monthly and resetting annually (in the Netherlands) - Friday drinks and other celebrations - bunq style ## Skills ### Required - chargebacks - cards operations - merchant disputes - AI - automation - data analysis - English --- Source: [Apply at careers.bunq.com](https://careers.bunq.com/o/chargebacks-expert?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)