Fraud Disputes Associate
About Lendable
Lendable is on a mission to build the world's best technology to help people get credit and save money.We're building one of the world’s leading fintech companies and are off to a strong start:
One of the UK’s newest unicorns with a team of just over 700 people
Among the fastest-growing tech companies in the UK
Profitable since 2017
Backed by top investors including Balderton Capital and Goldman Sachs
Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot)
So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days.
We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes.
Join us if you want to
Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1
Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo
Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting
About the Role
We are looking for a Fraud Disputes Associate to own the transactional integrity of our U.S. credit card portfolio. You will be the point person for point of sale disputes—whether it’s a merchant overcharging a customer or a stolen card being used for a shopping spree.
You will manage the "post-origination" side of the house, focusing on operational efficiency and loss prevention. Your goal is to balance a seamless customer experience with rigorous adherence to federal regulations. You’ll work closely with our operations leads to ensure that every dispute is handled fairly, quickly, and within the strict bounds of U.S. consumer protection laws.
What You’ll Be Doing
Transaction Disputes: Own the end-to-end management of merchant disputes (billing errors, service not rendered) and unauthorized card claims, ensuring strict compliance with Reg E and Reg Z.
Transaction Monitoring: Clear real-time alerts for credit card transactions and loan disbursements to prevent fraudulent outflows while minimizing friction for legitimate users.
Loss Prevention: Identify patterns in unauthorized transactions to suggest "rule tuning" for our fraud engines, helping to lower our overall fraud loss rate.
Strategy Implementation: Partner with our second line of defense to implement and test fraud rules within our engines based on approved risk thresholds.
Operational Excellence: Work to streamline the evidence-gathering process for chargebacks to increase our "win rate" with merchants.
Direct Customer Support: Guide customers through the dispute process, providing clarity and empathy during what is often a stressful time for them.
What We’re Looking For
Dispute Expertise: 2+ years of experience in credit card disputes and chargeback management.
Regulatory Fluency: Deep familiarity with Regulation E and Regulation Z. You understand the mandatory timelines for investigating and resolving claims.
Efficiency Mindset: You enjoy high-volume environments and take pride in clearing queues without sacrificing accuracy.
Communication: Strong written skills for drafting dispute responses to merchants and clear verbal skills for explaining complex dispute outcomes to customers.
Life at Lendable
The opportunity to scale up one of the world’s most successful fintech companies.
Best-in-class compensation, including equity.
You can work from home every Monday and Friday if you wish - on the other days, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas.
Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks in the office every Tuesday-Thursday.
We care for our Lendies’ well-being both physically and mentally, so we offer coverage when it comes to private health insurance
We're an equal-opportunity employer and are looking to make Lendable the most inclusive and open workspace in London
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