Position Title:  Senior Payment and Disputes Specialist
Department:  Payment Operations
Reports To:  Payment Operations Dispute Manager
Supervisory Responsibilities: NA
FLSA Status: Non-Exempt
Job Type: Full-time
Location: US Remote

One Inc is a rapidly growing InsurTech digitizing inbound and outbound payments for the Insurance space. It’s an exciting time to join a private equity backed, market leader experiencing significant year over year growth. Our core values are simple yet powerful - #risetogether, #woweveryone, #thinkbigworksmall and #ownit. Learn more about joining our team at www.oneinc.com.

Overview: We are seeking a detail-oriented and driven Payments Specialist to join our team. As a Payments Specialist, you will be responsible for managing and analyzing chargeback data to ensure accurate processing and reporting. This role involves detailed analysis of transaction data, trend identification, and providing actionable insights to reduce chargeback volumes. Additional duties will include processing and reconciling chargebacks and ACH returns, disputing chargebacks, auditing and research, and ensuring all dispute processes are up to date.

Key Responsibilities:

•  Provide guidance and training to junior team members.
• Work closely with other departments as well as vendors to ensure seamless dispute resolution processes.
• Review and process incoming chargeback disputes and determine their validity based on transaction evidence and merchant provided documentation.
• Ensure all actions comply with relevant regulations, such as Regulations E for electronic funds transfer.
• Maintain detailed records of all disputes cases and resolutions.
• Identify and lead process improvements as well as growth integration initiatives.
• Submit compelling evidence packages to financial institutions to dispute chargebacks on behalf of our merchants.
• Calculate and report on chargeback ratios, trends, and recovery rates. Provide insights and recommendations to management for reducing overall chargeback volumes.
• Review and sign off on audit reports and ensure all monthly chargebacks are accurately recorded and reconciled.
• Pull reporting from bank systems including bank statements and ACH return and NOC reports.
• Ensure accurate account balances by reconciling payments and resolving discrepancies promptly.
• Provide excellent customer service and communicate with merchants on inquiries regarding chargebacks and returns.
• Refine and update chargeback processes and procedures to comply with evolving regulations and standards.

Skills:

• Bachelor’s degree in Finance, Business Administration, or a related field.
• Minimum of 5 years of experience as a Mid-Senior level Payments Specialist or similar role.
• Strong analytical skills with the ability to analyze transaction data and identify patterns and discrepancies.
• Strong verbal and written communication for interacting with customers, banks, and merchants.
• Ability to work independently and also collaborate with a team.
• Knowledge of chargeback & ACH return guidelines and policies set by card networks and financial institutions.
• Ability to handle sensitive customer information with confidentiality and professionalism.
• Proficiency in Excel and strong reporting skills are essential

Desired Traits:

• Action Oriented, Growth Mindset, Positive Outlook, Problem Solver, Self-starter, Demonstrates Ethical Behavior, Strong Drive, Team Player, Supportive & Adaptable to Change, Exudes a commitment to Personal & Professional Development

Physical Demands:

The conditions herein are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

 
Company Profile:  One Inc provides insurers with the capability to give their customers what they expect: choice, control, convenience, and continuity. That’s the strength derived from the Power of One™ - a cohesive and seamless experience for both inbound and outbound digital insurance payments.

The One Inc Digital Payments Platform combines multi-channel digital communications with electronic payment processing and disbursement, creating a frictionless premiums and claims payments experience. As one of the fastest growing digital payments platforms in the insurance industry, One Inc manages billions of dollars per year in premiums and claims payments.

Headquartered in Folsom, CA—One Inc offers a competitive salary, and benefits including medical, dental, and vision insurance, 401(k) plan, a commitment to a solid work/life balance, and a policy of promoting from within whenever possible.

One Inc is an equal opportunity employer and complies with all EEOC legislation in each jurisdiction it operates in.