Chargebacks Associate

Chargebacks Associate ABOUT POSHMARK Poshmark is the leading fashion marketplace where style comes alive through discovery, self-expression, and human connection. Powered by a vibrant community of 165 million members, Poshmark brings real people and taste to shopping through a social experience shaped by shared discovery. Buying and selling fashion feels simple, joyful, and personal, while every item tells its own story. Poshmark empowers sellers to grow meaningful businesses, keeps fashion in circulation longer, and gives shoppers access to unique and trusted finds, from everyday pieces to one-of-a-kind vintage and luxury. Do you thrive on investigation, pattern recognition, and protecting both customers and the business from financial loss? We are looking for a meticulous and analytically driven Chargebacks Analyst to join our Payment Operations team. In this role, you will own the full chargeback and dispute lifecycle — from initial retrieval requests through representation— working directly with card networks, acquiring banks, and internal stakeholders to recover revenue and minimize losses. Beyond dispute resolution, you will play a key role in identifying fraud trends, strengthening our prevention posture, and building scalable processes that protect the integrity of our payments ecosystem. This is an entry-level position with significant growth potential for candidates who combine curiosity with operational rigor. KEY RESPONSIBILITIES Dispute & Chargeback Management - Own the end-to-end chargeback lifecycle across all card networks (Visa, Mastercard, Amex, Discover & PayPal) including retrieval requests, first chargebacks and second chargebacks. - Prepare and submit timely, evidence-backed representment packages to maximize win rates and recover revenue on behalf of the business. - Respond to retrieval requests and fulfillment inquiries within network-mandated timeframes to prevent automatic losses. - Triage incoming disputes by reason code, dispute stage, and financial exposure to prioritize caseload effectively. - Track and manage all open cases within the platform, ensuring no case ages past its response deadline. - Analyze dispute outcomes to identify patterns in win/loss rates and refine representment strategies accordingly. Fraud Investigation & Loss Prevention - Investigate True Fraud, first-party misuse, and policy abuse patterns surfaced through chargeback filings and user behavior signals. - Collaborate with the Risk and Trust & Safety teams to take enforcement actions on confirmed fraudulent accounts including blocks, account restrictions, and fund holds. - Flag high-frequency or high-value dispute clusters to leadership as potential coordinated fraud or network-level compromise events. - Support pre-emptive refund decisions where accepting a dispute is more cost-effective than representment, balancing recovery goals with operational efficiency. - Maintain detailed case notes and fraud intelligence logs to support pattern analysis and future investigations. Process Improvement & Cross-Functional Collaboration - Contribute to the development and maintenance of chargeback SOPs, decision trees, and representment templates. - Partner with Engineering to surface friction points in the buyer and seller experience that contribute to dispute volumes. - Provide operational input during payment processor or chargeback tool evaluations and onboarding. - Collaborate with Customers to resolve escalated user-facing dispute queries and communicate expected resolution timelines. - Proactively share chargeback trend intelligence with Fraud & Risk and Leadership to inform strategic decisions. PERFORMANCE MILESTONES Within 6 Months - Develop a thorough understanding of chargeback reason codes, dispute stages, and card network rules across Visa, Mastercard, Amex, PayPal and Discover. - Independently manage a full caseload of disputes end-to-end with minimal supervisory oversight. - Build proficiency w ... (truncated, view full listing at source)