Senior Chargeback & Fraud Analyst

About the role

Ebanx is one of the most successful fintechs to emerge from Latin America - and today, we are building a truly global payments company. Our mission has remained constant from day one: to unlock access and enable companies and consumers to participate in the digital economy, no matter where they are. You will own the strategic oversight of complex chargeback and fraud challenges, acting as a key advisor to global merchants and partners while driving process optimization across the entire lifecycle. You will investigate high-risk cases, analyze intricate fraud patterns, and translate data into actionable strategies that protect the business and improve outcomes. The role demands collaboration with cross-functional teams including Product, Engineering, and global banking partners to build scalable solutions that adapt to evolving payment ecosystems. You will champion best practices in fraud prevention and representment, ensuring alignment with card scheme rules and regulatory requirements across multiple markets. This position is ideal for someone who thrives on solving ambiguous problems and turning operational complexity into clear, repeatable processes.

Key facts

What you'll do

Manage and optimize the end-to-end chargeback lifecycle, including notifications, representment, operational controls, and financial performance, while ensuring compliance with card scheme and partner SLAs.

Act as a trusted advisor to Ebanx merchants, providing guidance on fraud and chargeback best practices and identifying opportunities to improve their results through tailored strategies.

Monitor and analyze key fraud and chargeback indicators, such as chargeback rate and win rate, identifying trends, risks, root causes, and opportunities for optimization across diverse portfolios.

Conduct complex fraud and chargeback investigations, translating large volumes of transactional and contextual data into actionable insights and recommendations for stakeholders.

Map and continuously improve operational processes, identifying bottlenecks, inefficiencies, and automation opportunities to increase scalability, accuracy, and financial performance.

Build and monitor operational and executive dashboards, transforming raw data into clear, visual insights that support strategic decisions and highlight emerging risks.

Partner closely with Product and Engineering teams to identify operational pain points, propose technical solutions, and support the development of new features that enhance fraud management.

Collaborate directly with acquirers and banking partners, aligning operational workflows and developing strategic fraud and chargeback flows that support Ebanx's business expansion globally.

Monitor changes in card scheme rules, payment regulations, and local regulatory requirements, assessing their impact on Ebanx, our merchants, and our operational processes to ensure ongoing compliance.

Support the management, investigation, documentation, and resolution of operational incidents related to fraud and chargebacks, maintaining thorough records and learning from outcomes.

Leverage AI, automation, and data-driven solutions to optimize routine tasks, automate reporting and data extraction, and increase the efficiency and effectiveness of the chargeback function.

Bring a senior perspective to the team by challenging existing processes, proposing improvements, sharing knowledge, and helping turn complex operational problems into scalable, sustainable solutions.

Requirements

Solid experience in Fraud Prevention, Chargebacks, Disputes, Payments Risk, or related areas within the payments, banking, fintech, acquiring, or e-commerce ecosystem.

Strong knowledge of the chargeback lifecycle, including dispute management, representment, card scheme rules, and operational SLAs that govern global payment operations.

Proven ability to analyze complex datasets and derive meaningful insights that inform decision-making and strategy in high-risk environments.

Excellent communication skills to act as a bridge between technical and business stakeholders, ensuring clarity and alignment across global teams.

Strong attention to detail and a methodical approach to problem-solving, with the ability to manage multiple priorities in a fast-paced, dynamic environment.

Experience working with payment networks, acquirers, and banking partners to resolve operational and compliance-related challenges.

Demonstrated ability to interpret and apply regulatory and card scheme rules to ensure compliance and minimize operational risk.

A collaborative mindset with the ability to work effectively in cross-functional teams, contributing to a culture of transparency and shared ownership.

Practical notes

The role is based in Curitiba or São Paulo and requires on-site presence at the office location.

No specific compensation details are provided in the source material.

Candidates should be prepared to engage in a role that involves significant responsibility, cross-team collaboration, and continuous adaptation to evolving payment landscapes.

This position is suited for a senior-level professional capable of operating independently while contributing to strategic discussions that shape the direction of fraud and chargeback management at scale.