Vendor Operations Specialist (Risk)
About Dave
Dave vs. Goliath. We’re Dave.
We’re a profitable, publicly traded fintech (NASDAQ: DAVE) serving over 12 million members. Our mission is simple: everyone deserves access to their own money without predatory fees. We’re growing quickly and building products — like ExtraCash, banking, and credit-building tools — that put members first.
We’re hiring a Vendor Operations Specialist (Risk) to strengthen how we manage dispute operations across our vendor network and ensure we meet the highest standards of compliance and member trust.
The Opportunity
This role sits within the Risk First Line of Defense and partners closely with Member Operations. You’ll help shape how Reg E and Reg Z dispute workflows are executed across vendors — not just monitoring performance, but improving how the system works.
You’ll have real visibility across Risk, Fraud, Compliance, Legal, Product, and Engineering. You won’t just track metrics. You’ll help design the controls, reporting, and operating rhythms that make dispute handling accurate, compliant, and scalable as we grow.
What You’ll Build and Own
Serve as the operational point of contact for Reg E and Reg Z dispute workflows across vendor partners
Monitor vendor compliance with timelines, documentation standards, and audit readiness requirements
Build and maintain reporting and scorecards that track dispute accuracy, turnaround times, and SLA adherence
Conduct audits of dispute and fraud workflows to identify control gaps, quality issues, and automation opportunities
Partner cross-functionally to operationalize regulatory requirements into clear, durable processes
Use root-cause analysis to identify trends in disputes and chargebacks, recommending preventive improvements
You take responsibility for outcomes, not just deliverables. When something isn’t working, you move it forward — even if every detail isn’t fully defined.
The Impact
Disputes are moments of trust. The way we handle them directly affects member confidence, regulatory standing, and long-term growth. Your work ensures our systems protect members while strengthening operational resilience.
What We’re Looking For
Experience & Technical Foundation
3–5 years of experience in vendor operations, dispute management, or risk operations within fintech, financial services, or payments
Strong working knowledge of Reg E and Reg Z; familiarity with UDAAP and BSA/AML
Experience managing BPO or vendor dispute operations with demonstrated success maintaining compliance and quality standards
Experience building reporting and performance tracking (Looker, Mode, or similar BI tools)
Familiarity with Zendesk, JIRA, Confluence; SQL or data-querying skills preferred
Ability to translate regulatory guidance into operational controls and workflows
Bonus
Prior experience supporting dispute intake or processing teams
Experience participating in audits or regulatory reviews
What Makes Someone Successful Here
You think beyond the ticket queue. You understand how dispute handling affects members, regulators, revenue, and partner teams. You balance urgency with durability — building processes that hold up over time, not just patching issues. You’re comfortable working with ambiguity and asking thoughtful questions before committing to a path.
You collaborate well across functions. Risk, Fraud, Compliance, Product, and vendor partners all rely on clear communication and shared accountability. You’re open to feedback, proactive in surfacing risks, and steady when priorities evolve as new data emerges.
What to Expect
You’ll have meaningful autonomy and visibility. Priorities may shift as regulations evolve or dispute volumes change — and you’ll help shape the response. Decisions are data-informed, and trade-offs are discussed openly. The pace is real, but sustainable.
Why Join Dave
Work on products that directly protect and empower everyday people
Shape systems that scale with a fast-growing public company
Partner with thoughtful, high-performing teams across Risk and Operations
Build durable processes that support both compliance and member experience
Ready to build for the underdog?
Don’t let imposter syndrome get in your way of an incredible opportunity. We’re looking for people who can help us achieve our mission and vision, not just check off the boxes. If you’re excited about this role, we encourage you to apply. You may just be the right candidate for this or other roles.
Why you’ll love working here:
At Dave, our people are just as important as our product. Our culture is a reflection of our values that guide who we are, how we work, and what we aspire to be. Daves are member centric, helpful, transparent, persistent, and better together. We strive to create an environment where all Daves feel valued, heard, and empowered to do their best work. As a virtual first company, team members can live and work anywhere in the United States, with the exception of Hawaii.
A few of our benefits & perks:
💚 Opportunity to tackle tough challenges, learn and grow from fellow top talent, and help millions of people reach their personal financial goals
💻 Flexible hours and virtual first work culture with a home office stipend
🏥 Premium Medical, Dental, and Vision Insurance plans
👶 Generous paid parental and caregiver leave
💰 401(k) savings plan with matching contributions
📈 Financial advisor and financial wellness support
🏖️ Flexible PTO and generous company holidays, including Juneteenth and Winter Break
🎉 All-company in-person events once or twice a year and virtual events throughout to connect with your team members and leadership team
Dave Operating LLC is proud to be an Equal Employment Opportunity employer and is dedicated to cultivating a diverse and inclusive workplace. We will consider for employment all qualified applicants and do not discriminate on any basis protected by federal, state, or local law, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance relating to an applicant's criminal history.
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