Manager, Chargeback Recovery

Topstep

$100K — $107K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • 4+ years in payments, fraud, dispute, or chargeback operations, with 2 years in a leadership role.
  • In-depth knowledge of card network dispute rules, especially CE 3.0 framework.
  • Strong people leadership abilities, including performance evaluations and feedback.
  • Experience managing BPO relationships with a focus on SLA adherence and quality.
  • Familiarity with pre-dispute platforms and data-driven vendor evaluation.
  • Proficient in analytical tools, preferably SQL and Excel, for KPI monitoring.
  • Excellent organizational and communication skills for reporting and priority management.

Responsibilities

  • Lead and manage the operations team to ensure high performance and accountability.
  • Oversee chargeback queue, managing routing, triage, and workload balance.
  • Manage BPO relationships, ensuring compliance with SLAs and quality benchmarks.
  • Provide performance reporting, including analysis of win/loss rates and trends.
  • Maintain up-to-date knowledge of chargeback rules and make operational adjustments accordingly.
  • Serve as the lead point of escalation for complex chargeback issues and arbitration cases.
  • Collaborate with the Program Standards team to align SOPs and training with operational reality.
  • Identify workflow improvement opportunities and work with Product and Engineering for implementation.

Benefits

  • Flexible work environment options including remote and hybrid.
  • Company-paid holidays and generous family leave, with front-loaded PTO.
  • Competitive 401(k) matching and comprehensive health benefits.
  • Encouraged vacation with a bonus for taking extended time off.
  • Food and groceries budget support and contributions towards health and wellness.
Full Job Description
Summary

The Manager, Chargeback Recovery owns the end-to-end execution of Topstep's chargeback representment and recovery operations - managing the chargeback queue, leading the operations team, overseeing the BPO relationship, and driving the win rates, SLA adherence, and operational efficiency that define program performance. This is a people leadership role at the center of day-to-day chargeback operations.

Key Responsibilities
  • Lead and manage the operations team - own performance standards, coaching, development, and accountability for case quality and throughput.
  • Oversee chargeback queue operations - own routing logic, triage protocols, workload balancing, and deadline adherence.
  • Manage the BPO relationship for chargeback case handling - hold vendors accountable to SLAs and quality standards, track output, and drive continuous improvement.
  • Deliver consistent performance reporting to leadership - win/loss rates by reason code and processor, pre-dispute deflection analysis, volume trends, and capacity gaps.
  • Stay current on card network chargeback rules, and industry best practices; translate changes into operational adjustments.
  • Serve as the primary escalation point for complex chargeback, pre-arbitration, arbitration cases, and cross-functional chargeback issues.
  • Partner with the Program Standards team to ensure SOPs, training, and QA standards reflect live operational reality.
  • Monitor case volumes and proactively surface staffing needs and capacity risks to leadership.
  • Identify opportunities to streamline and automate chargeback recovery workflows; partner with Product and Engineering to build scalable representment and queue management infrastructure.

Required Qualifications and Key Competencies
  • 4 + years in payments, fraud, dispute, or chargeback operations, with at least 2 years in a people management or team lead role with a demonstrated track record of high performance.
  • Deep knowledge of card network dispute rules across major card networks, including the CE 3.0 framework.
  • Proven people leadership skills - experience conducting performance evaluations, delivering structured feedback, coaching for development, and building team accountability.
  • Hands-on experience managing a BPO relationship - holding vendors to SLAs, driving quality, and implementing continuous improvement.
  • Working knowledge of pre-dispute platforms (Ethoca, Verifi, RDR) and the ability to evaluate vendor performance and configuration decisions through data.
  • Strong analytical skills and a data-driven work style; proficiency in SQL, Excel, or comparable tools to monitor KPIs and drive operational decisions.
  • Excellent organizational and communication skills - able to manage competing priorities and translate operational detail into leadership-ready reporting.
  • Comfortable operating in a build environment where process definition and execution happen simultaneously.
  • Project management experience is a plus.
  • SQL or data querying proficiency for investigative research and trend analysis is a plus.

Company Culture & Perks
  • Topstep is an engaging working environment which ranges from fully remote to hybrid. We foster a culture of collaboration with cameras on during meetings and a robust Slack environment for communication.
  • Seven Company-paid Holidays and generous Family Leave. Paid time off is front-loaded.
  • Competitive 401(k) matching, health, dental, and vision insurance is offered for full time employees.
  • Vacations are encouraged with a bonus for taking 5 consecutive days. Employee referrals are bonused. Topstep offers a food and groceries budget and contributes towards health and wellness.

New Hire Base Salary Range
  • $100,000 - $107,500.
  • Bonus: This position is eligible for a performance-based bonus as provided by the plan terms and governing documents.
  • The compensation offered will take into account internal compensation structure and may vary depending on the candidate's geographic region, job-related knowledge, skills, and experience among other factors.

Interested in the role? Apply today with your resume!

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