<div class="content-intro"><h3><strong><span style="font-family: arial, helvetica, sans-serif;">ABOUT xAI</span></strong></h3> <p><span style="font-family: arial, helvetica, sans-serif;">xAI’s mission is to create AI systems that can accurately understand the universe and aid humanity in its pursuit of knowledge. </span><span style="font-family: arial, helvetica, sans-serif;">Our team is small, highly motivated, and focused on engineering excellence. This organization is for individuals who appreciate challenging themselves and thrive on curiosity. </span><span style="font-family: arial, helvetica, sans-serif;">We operate with a flat organizational structure. All employees are expected to be hands-on and to contribute directly to the company’s mission. Leadership is given to those who show initiative and consistently deliver excellence. Work ethic and strong prioritization skills are important. </span><span style="font-family: arial, helvetica, sans-serif;">All employees are expected to have strong communication skills. They should be able to concisely and accurately share knowledge with their teammates.</span></p></div><h3><strong>ABOUT THE ROLE:</strong></h3> <p>X Payments seeks a Dispute Analyst for our Risk Operations team to investigate and resolve customer disputes across P2P, debit/credit card, and ACH channels. You’ll assess claims, manage provisional credits, and ensure compliance with Regulation E, NACHA, and network rules. This fast-paced role requires strong analytical skills and collaboration with Fraud, Compliance, and Customer Support teams to deliver timely, fair resolutions while minimizing business risk.</p> <h3><strong>RESPONSIBILITIES:</strong></h3> <ul> <li>Investigate incoming customer disputes across P2P, debit/credit card, and ACH transactions, ensuring compliance with internal policies and regulatory standards.</li> <li>Validate chargeback rights and ensure required documentation is complete before initiating a dispute with networks or processors.</li> <li>Manage and track the issuance of provisional credits, ensuring adherence to Regulation E timeframes and NACHA rules for ACH claims.</li> <li>Maintain accurate and detailed case documentation within internal systems for audit readiness.</li> <li>Collaborate with internal teams (Fraud, Compliance,) to gather information, resolve gaps, and escalate high-risk or complex cases.</li> <li>Respond to representments, pre-arbitration, and final decisions from processors or networks; escalate unresolved or disputable cases as needed.</li> <li>Monitor dispute aging and ensure deadlines are met for all required actions, including filings, evidence submissions, and customer communications.</li> <li>Communicate resolution outcomes to customers with professionalism and clarity, adjusting for tone and regulatory requirements.</li> <li>Identify dispute trends or emerging issues and provide insights to leadership for process or policy improvements.</li> <li>Support audits, reporting, and quality assurance reviews by maintaining defensible case notes and outcome records.</li> </ul> <h3><strong>BASIC QUALIFICATIONS:</strong></h3> <ul> <li>3+ years of experience handling disputes involving debit or credit card transactions.</li> <li>Strong working knowledge of Regulation E (Electronic Fund Transfers Act), NACHA rules, and card network chargeback guidelines (Visa, Mastercard).</li> <li>Experience handling consumer disputes end to end across multiple payment types (P2P, debit/credit card, and ACH).</li> <li>Excellent written communication skills with the ability to draft clear, accurate, and compliant case notes and customer responses.</li> <li>Detail-oriented with strong organizational skills and the ability to meet strict deadlines in a fast-paced environment.</li> <li>Familiarity with dispute systems, case management platforms, and CRM tools.</li> <li>Analytical and investigative mindset with sound judgment and decision-making abilities.</li> <li>Bachelor’s degree in Finance, Business, Criminal Justice, or a related field preferred; relevant certifications (e.g., ETA CPP, CFE) a plus.</li> </ul><div class="content-conclusion"><p><em>xAI is an equal opportunity employer. For details on data processing, view our </em><em><a href="https://x.ai/legal/recruitment-privacy-notice" target="_blank">Recruitment Privacy Notice</a>.</em></p></div>