Dispute Analyst, X Money

SpaceXSI•Bastrop, TX

About The Position

SpaceXAI's Money is seeking a Dispute Analyst for its Risk Operations team to investigate and resolve customer disputes involving P2P, debit/credit card, and ACH transactions. The role assesses claims, manages provisional credits, and ensures compliance with Regulation E, NACHA rules, and card network requirements. It involves collaborating with Fraud, Compliance, and Customer Support teams to deliver timely, fair resolutions while minimizing business risk.

Requirements

At least 3 years of experience handling disputes involving debit or credit card transactions.
Strong working knowledge of Regulation E (Electronic Fund Transfers Act), NACHA rules, and card network chargeback guidelines, including Visa and Mastercard.
Experience handling consumer disputes end to end across multiple payment types: P2P, debit/credit card, and ACH.
Excellent written communication skills, including the ability to draft clear, accurate, compliant case notes and customer responses.
Strong attention to detail and organizational skills, with the ability to meet strict deadlines in a fast-paced environment.
Familiarity with dispute systems, case management platforms, and CRM tools.
Analytical and investigative mindset with sound judgment and decision-making abilities.
Must meet U.S. export-control eligibility requirements: be a U.S. citizen or national, U.S. lawful permanent resident, refugee, or asylee, or be eligible to obtain required U.S. Department of State authorizations.

Nice To Haves

Bachelor’s degree in Finance, Business, Criminal Justice, or a related field is preferred.
Relevant certifications such as ETA CPP or CFE are a plus.

Responsibilities

Investigate incoming customer disputes across P2P, debit/credit card, and ACH transactions in compliance with internal policies and regulatory standards.
Validate chargeback rights and confirm required documentation is complete before initiating disputes with networks or processors.
Manage and track provisional credits in accordance with Regulation E timeframes and NACHA rules for ACH claims.
Maintain accurate, detailed case documentation in internal systems for audit readiness.
Work with internal teams, including Fraud and Compliance, to gather information, resolve gaps, and escalate high-risk or complex cases.
Respond to representments, pre-arbitration, and final decisions from processors or networks; escalate unresolved or disputable cases as needed.
Monitor dispute aging and meet deadlines for filings, evidence submissions, and customer communications.
Communicate resolution outcomes to customers professionally and clearly, in line with tone and regulatory requirements.
Identify dispute trends or emerging issues and provide insights to leadership for process or policy improvements.
Support audits, reporting, and quality assurance reviews by maintaining defensible case notes and outcome records.