Job Description

Dispute and Chargeback Analyst

Eastwood, Philippines

At Ubiquity, we live and breathe our mantra: Head, Heart, Hustle. This isn’t just a philosophy—it’s the foundation of who we are and what we do. As an AML Analyst, you’ll embody this mantra every day, delivering exceptional service with expertise, empathy, and a drive to succeed.

What You’ll Do:

• Investigate and resolve credit card disputes in accordance with Reg Z and internal policies.

• Manage AMEX chargeback processing, including analyzing transactions, preparing representments, and responding to chargeback inquiries.

• Review transaction histories, merchant documentation, and customer statements to determine validity of claims.

• Maintain accurate records of dispute cases and ensure timely reporting to meet regulatory and client requirements.

• Collaborate with internal teams (e.g., Fraud, Risk, Operations) to escalate complex disputes and mitigate financial loss.

• Ensure compliance with relevant banking and card network regulations.

• Provide insights and recommendations to improve dispute resolution processes.

• Monitor trends in disputes and chargebacks, highlighting potential areas of risk.

What We’re Looking For:

• 2–3 years of experience in Reg Z disputes investigations and AMEX chargeback processing

• Strong understanding of credit card networks, dispute lifecycle, and chargeback regulations

• Detail-oriented with strong analytical and problem-solving skills.

• Excellent written and verbal communication skills.

• Proficient in Microsoft Office Suite; experience with dispute/chargeback management tools is a plus.

• Ability to work independently and collaboratively in a fast-paced environment.