ModMed is hiring a driven Chargeback & Risk Analyst to join our positive, passionate, and high-performing Risk and Underwriting team. The primary focus of this role will be applying expert knowledge in chargeback management to assist our Payment Facilitator (PayFac) merchants in successfully defending disputes. This is an exciting opportunity to be part of a fast-paced Healthcare IT company that is truly Modernizing Medicine!

Your Role:

• Chargeback Management & Defense:
  • Act as the subject matter expert in chargeback processes, providing guidance and support to our sub-merchants on
    dispute prevention, best practices, and effective defense strategies.
  • Manage the full lifecycle of chargeback cases, meticulously preparing and submitting compelling documentation to
    defend disputes on behalf of our sub-merchants.
  • Analyze chargeback data to identify trends and provide actionable recommendations to reduce overall dispute rates.
  • Maintain knowledge of card brand (Visa, Mastercard, etc.) rules and regulations pertaining to disputes, arbitration, and
    compliance.
• Risk and Underwriting Support:
  • Execute the documented risk and underwriting process for new sub-merchant applications, assessing potential financial
    and regulatory risks.
  • Conduct thorough due diligence for applications, including KYC (Know Your Customer) and KYB (Know Your Business)
    checks, website reviews, and financial analysis including review of financial statements and credit reports.
  • Assign appropriate risk levels and recommendations for underwriting.
  • Ensure all underwriting decisions and supporting documentation are accurately recorded and maintained.
• Team Support:
  • Cross-train on daily funding processes to provide essential backup coverage for team members during peak times or
    absences.
  • Collaborate with the Risk and Underwriting team to continuously refine and improve chargeback management, underwriting procedures, and funding workflows.
  • Provide support to the Risk and Underwriting team for various day-to-day operational tasks, including processing bank changes, scheduling rate changes, and conducting periodic legal entity reviews of sub-merchants.
  • Contribute to ad-hoc projects and perform other duties as assigned to support the team's operational needs and objectives.

Skills & Requirements:

• Bachelors degree in Business Administration, Economics, Finance,Accounting or Statistics preferred, other majors considered. Willing to accept additional industry
  experience in lieu of a degree.
• 2+ years of direct experience in chargeback management, ideally from a merchant, e-commerce, or PayFac/Acquirer perspective.
• Proven track record of successfully managing and defending chargeback cases across major card brands.
• Working knowledge of payment risk assessment, merchant underwriting, and regulatory requirements (e.g., KYC, AML,card brand rules).
• Exceptional attention to detail, strong analytical and problem-solving skills.
• Excellent written and verbal communication skills, with the ability to clearly explain complex topics to merchants.
• Practical knowledge of Card Scheme rules and regulations.
• Demonstrated ability to understand and make recommendations for changes to Underwriting management and Risk management in a dynamic fast fast-paced environment.
• Well-developed interpersonal skills and interactions with a wide range of levels across the bank.
• Strong communication skills, both written and verbal.
• Solid organizational and time management skills.
• Sound judgment, strong problem-solving solving and analytical skills.
• High attention to detail and ability to work within strict deadlines.
• Resourceful person who can take ownership of actions and initiative.
• Ability to learn quickly and to work both independently and as part of a team toward the achievement of client and team goals.

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