# Dispute Analyst, X Payments

**Company:** [xAI](https://hotfix.jobs/companies/xai)
**Location:** Bastrop, TX
**Role:** Finance & Accounting
**Experience:** 3+ years
**Skills:** Regulation E, Nacha, Visa, Mastercard, Ach, P2P, Crm Tools, Case Management Platforms, Dispute Systems, Chargeback Management
**Posted:** 2026-03-06

> Investigates and resolves customer disputes across P2P, debit/credit card, and ACH channels, ensuring regulatory compliance with Regulation E and NACHA rules. Requires 3+ years experience in payment disputes, strong analytical skills, and collaboration with risk teams.

## Job Description

## Responsibilities
- Investigate incoming customer disputes across P2P, debit/credit card, and ACH transactions, ensuring compliance with internal policies and regulatory standards.
- Validate chargeback rights and ensure required documentation is complete before initiating a dispute with networks or processors.
- Manage and track the issuance of provisional credits, ensuring adherence to Regulation E timeframes and NACHA rules for ACH claims.
- Maintain accurate and detailed case documentation within internal systems for audit readiness.
- Collaborate with internal teams (Fraud, 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 ensure deadlines are met for all required actions, including filings, evidence submissions, and customer communications.
- Communicate resolution outcomes to customers with professionalism and clarity, adjusting for 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.

## Required Qualifications
- 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 (**Visa**, **Mastercard**).
- Experience handling consumer disputes end to end across multiple payment types (P2P, debit/credit card, and ACH).
- Excellent written communication skills with the ability to draft clear, accurate, and compliant case notes and customer responses.
- Detail-oriented with strong organizational skills and 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.
- **Bachelor’s degree** in Finance, Business, Criminal Justice, or a related field preferred; relevant certifications (e.g., **ETA CPP**, **CFE**) a plus.

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