Claim Specialist
Chime is the largest and fastest-growing challenger banking company in the U.S., with over 5M accounts and no physical branches. We’re a technology company relentlessly focused on helping our members achieve financial peace of mind. That’s why we offer an award-winning bank account that doesn’t charge hidden fees, gives members early access to their paychecks, and helps them grow their savings automatically. And we’re just getting started. We are proud of our mission, devoted to our members, and passionate about applying technology to the challenge of making financial health a reality for everyone.
We have one of the most experienced management teams in Fintech and have raised over $300M in funding from DST, General Atlantic, Coatue, Dragoneer, Menlo, and others. If you’re looking to join a small but fast-growing company with a beloved, daily-use product and an authentic mission that puts people first, we want to meet you.
About the role
As a Claim Specialist, you’ll be joining our rapidly-growing Risk Operations Team to help us investigate member dispute claims, coordinate funds recovery with merchants, and resolve claims in accordance with Federal Regulations and network rules. As an issuer dispute claims expert, we’ll rely on you to conduct timely, accurate, and compliant investigations, and advocate for members who were victims of billing errors or fraud.
Responsibilities
- Use internal and third party tools to execute dispute claim investigations in accordance with Federal Regulations E and Z, NACHA Operating Rules, and other applicable regulations
- File chargebacks and fraud reporting in accordance with payment network (Visa, MasterCard) rules, review merchant representments and determine if they met compelling evidence thresholds; execute arbitrations when necessary
- Communicate claim investigation findings to members, and credit their accounts when we determine an error occurred
- Respond to document requests and rebuttals, and communicate findings to members
- Collect and review documentation from Chime members and third parties
- Support internal and external audits and due diligence requests
Requirements
- At least one year of experience in cardholder dispute operations, preferably supporting Issuer dispute claim investigations
- You have a passion for solving puzzles and identifying the root cause of problems
- You can analyze, summarize, and communicate findings and issues drawn from facts and apply complex legal and regulatory requirements in a manner that is technically competent
- You love knocking out the tasks on your checklist - you possess strong organizational and prioritizing skills
- A strong desire to work for a fast-paced, high-growth organization
- Advanced Microsoft Office or G Suite skills
What we offer
- Competitive salary based on experience, with medical and dental benefits.
- Free snacks and drinks, plus weekly catered lunches.
- Flexible vacation policy.
- Monthly happy hours and company events.
- Dog-friendly office.
- A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help create a completely new kind of bank.
We know great work isn’t done alone. We’re building a team of individuals to Chime in with their different strengths to benefit our employees and members. We strongly believe that different backgrounds and ideas are a competitive advantage; we hire candidates of any race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, Veteran status, and any other status. Chime is proud to be an Equal Opportunity Employer and will consider qualified applicants with criminal histories in a manner consistent with federal, state, and Cook County ordinances. If you have a disability or special need that requires accommodation, please let us know.