ZOM-IN Hiring! Full Time Chargeback Risk Analyst in Selangor, Earn up to MYR 6,500 - Ricebowl

Get to Know the Role
We are looking for a motivated and detail-oriented Risk Analyst to support our end-to-end chargeback dispute process. You are part of the frontline defense against payment fraud and revenue loss, preparing dispute evidence, investigating user accounts, taking actions on user accounts, and working with acquirers to resolve chargeback cases. You will apply careful analysis and sound judgment to protect the integrity of our financial ecosystem while ensuring a customer-centric experience for users. Over time, you may broaden into adjacent Lines of Business (LOBs) such as Onboarding (KYC/KYB) and Risk Investigation.

The Day-to-Day Activities

• Chargeback Case Management: Review, investigate, and resolve chargeback disputes in line with card network rules and company policy.
• Evidence Preparation & Submission: Prepare and compile dispute evidence and submit it to acquirers, ensuring documentation meets network and acquirer requirements.
• Account Investigation & Action: Investigate user accounts and transaction history to determine dispute validity, and take appropriate account-level actions.
• Acquirer Communication: Communicate with acquirers, manage their expectations, and respond to queries to support favourable outcomes.
• Status Monitoring & Reporting: Monitor chargeback status (win/loss) through to resolution and prepare accurate reports on volumes, outcomes, and root causes.
• User Communications: Manage communications with users to handle chargeback cancellations and appeals professionally and in a customer-centric manner.
• Appeals Management: Manage the appeals process, escalating and re-submitting cases where warranted.
• Fraud Pattern Recognition: Identify recurring fraud trends and chargeback drivers, report them accurately, and flag opportunities to reduce future disputes.
• Cross-LOB Flexibility: As business needs evolve, support adjacent risk LOBs such as Onboarding (KYC/KYB verification) and Risk Investigation.

The Must-Haves

• Chargeback & Risk Awareness: Understanding of the chargeback/dispute lifecycle (evidence, representment, win/loss outcomes) and basic risk, KYC/KYB, and AML concepts, or a strong willingness to learn them quickly.
• Analytical Judgment: Ability to review case details, spot patterns, and reach logical, well-documented decisions.
• Attention to Detail: Meticulous documentation and evidence discipline, given the audit and regulatory exposure of dispute cases.
• Communication Skills: Clear written and interpersonal communication to work with acquirers, users, and internal teams.
• Ownership & Reliability: Ability to manage a caseload, follow process, and see cases through to resolution in a fast-paced environment.
• Professional Integrity: You must embody Heart, Hunger, Honour, and Humility.
• Shift Flexibility: Willing and able to work various shifts as operational coverage requires.
• Technical Literacy: Working knowledge of Microsoft Excel for data interpretation and reporting.

The Nice-to-Haves

• Prior experience in payments operations, fraud detection, or acquirer/issuer dispute handling.
• Exposure to KYC/KYB onboarding or risk investigation workflows (supports future cross-LOB deployment).
• Basic proficiency in HTML/CSS/JavaScript or scripting (e.g. VB Script) to automate repetitive tasks.

Pay: RM6,000.00 - RM6,500.00 per month

Work Location: In person