Payments Dispute & Chargeback Specialist - Remote
About LumiMeds
LumiMeds is a fast-growing U.S.-based telehealth startup focused on weight management and long-term metabolic health. We are building the next generation of e-commerce and clinical infrastructure from the ground up.
As an early-stage company, we move quickly, operate with limited layers, and expect high ownership from every team member. There is no bureaucracy here — decisions happen fast, priorities evolve, and builders thrive.
We are a remote-first, globally distributed team that values clarity, accountability, and people who take initiative rather than wait for direction.
Location: Remote — Mexico, Brazil, Argentina, Eastern Europe, or other international locations
About the Role
We are looking for a Chargeback & Dispute Specialist to manage and investigate payment disputes across our platform. This role is responsible for handling the full dispute lifecycle, preparing strong evidence submissions, and helping reduce chargeback rates across the business.
Lumimeds operates in a high-volume e-commerce and telehealth environment, where efficient dispute management and fraud prevention are critical to protecting revenue and maintaining compliance with card network thresholds.
This role works closely with payments operations, customer support, and fraud prevention teams to investigate disputed transactions and identify patterns that may indicate fraud, misuse, or operational gaps.
Key Responsibilities
Chargeback Lifecycle Management
Manage the end-to-end chargeback process from dispute notification to final resolution
Review incoming disputes from Stripe and other payment processors
Understand and categorize disputes based on card network reason codes
Ensure disputes are responded to within required deadlines
Dispute Investigation
Investigate transactions and customer activity to determine the validity of disputes
Analyze relevant information such as:
transaction history
account activity
IP address and device information
billing and shipping data
customer communication history
Identify cases of potential friendly fraud, unauthorized transactions, or policy abuse
Evidence Compilation & Representment
Prepare and submit structured evidence packages to dispute chargebacks
Gather documentation such as:
proof of service or delivery
billing descriptors and transaction details
customer communications and support interactions
terms of service and refund policy acknowledgement
account activity logs
Ensure evidence submissions meet Visa, Mastercard, and payment processor requirements
Fraud & Risk Monitoring
Monitor dispute trends and identify fraud patterns or abuse behaviors
Flag suspicious transactions and coordinate with internal teams to mitigate risk
Assist in improving internal fraud detection and prevention processes
Cross-Team Collaboration
Work closely with Customer Support to resolve disputes before they escalate into chargebacks
Coordinate with Finance and Payments Operations on reporting and reconciliation
Provide feedback to internal teams on areas that may reduce future disputes
Reporting & Performance Tracking
Track and report key metrics such as:
chargeback ratio
dispute win rate
dispute resolution time
fraud trends
Help maintain chargeback ratios below card network monitoring thresholds
Identify operational improvements to reduce future disputes
Requirements
4+ years experience handling chargebacks, payment disputes, or fraud investigations
Experience working with Stripe, NMI, or other payment gateways
Understanding of Visa, Mastercard, and card network dispute processes
Strong attention to detail and analytical thinking
Experience compiling dispute evidence and documentation
Strong written communication (for bank dispute responses)
Comfortable working in a fast-paced startup environment
Nice to Have
Experience in telehealth businesses or e-commerce companies
Experience using tools like Disputeninja, Vector Payment, or chargeback management platforms
Familiarity with fraud detection or payment risk tools
Advanced Excel / data analysis skills
How to Apply
If this role sounds like a fit, we’d love to hear from you. Please submit your application in English and ensure your resume reflects relevant experience for the role.
This position is open to candidates based in approved locations, depending on the role and business needs. Qualified applicants will be contacted for next steps.
LumiMeds is an equal opportunity employer. We hire based on skills, experience, and alignment with our values.
Please note: This role requires professional-level English communication and availability to work U.S. business hours.