Chargeback Officer

Role: Chargeback Officer

Location: Sharjah, United Arab Emirates

Department: Operations

Type: Full-Time Industry: Fintech / Payments

Major Responsibilities

Acquiring Chargebacks - PRIMARY

• Own the end-to-end acquiring chargeback lifecycle: intake, logging, deadline tracking, representment, and case closure across VISA, Mastercard, and AMEX.
• Work directly in VISA VROL and Mastercard Mastercom — managing all queues, monitoring reason codes, and meeting scheme deadlines with zero tolerance for missed windows.
• Monitor chargeback and fraud ratios; flag threshold risks to the Operations Manager before scheme breach levels are triggered
• Maintain accurate case records and provide regular dispute status reporting

Issuing Chargebacks – Secondary (Growing)

• .Handle cardholder dispute intake for VaultsPay-issued cards and wallets — unauthorized transactions, fraud claims, and billing disputes
• Process issuing-side representments and credit decisions in line with scheme rules and CBUAE SVF obligations
• Work closely with Compliance and the I&W Operations team as the issuing product and cardholder base scales

Requirements

Non-negotiable

• Direct, hands-on experience with VISA VROL and/or Mastercard Mastercom — must be able to work portals independently from day one.
• Demonstrated acquiring chargeback experience: representment, reason code knowledge, and strict scheme deadline management
• Exposure to issuing-side disputes — cardholder claims, unauthorized transactions, or card fraud — even if secondary to acquiring experience.

Preferred

• Background from a full-service bank, acquirer-issuer, or large PSP with visibility of both sides of the dispute process
• AMEX dispute experience
• Familiarity with the CBUAE regulatory environment or UAE acquiring/issuing market
• Detail-oriented with a process-first mindset — scheme deadlines are hard stops, not targets

Why Join VaultsPay?

• Work in a licensed fintech environment supporting innovative payment solutions
• Be part of a fast-growing company with a collaborative tech culture
• Competitive salary and benefits
• Growth opportunities in a company driven by digital transformation

About VaultsPay

VaultsPay is a UAE-based, CB-UAE licensed fintech company delivering secure payment solutions across both the acquiring and issuing space. We are led by experts in digital banking, compliance, and financial operations and are committed to leading the future of the cashless economy.

Work Location: In person