Chargeback & Settlement Specialist

Job Title: Chargeback & Settlement Specialist

Employment type: Contract (On-site)

Contract length: 12 months

Location: Tripoli, Libya

PURPOSE OF THE PROJECT

We are seeking an experienced Chargeback & Settlement specialist to partner with our client Bank to provide hands-on, onsite support in Libya for a 12-month assignment. The specialist will support the daily management of card disputes, chargebacks, clearing, and settlement activities, with a strong focus on accuracy, timely case handling, reconciliation, operational controls, and issue resolution.

Core Responsibilities and Accountabilities:

• Manage the end-to-end chargeback and dispute lifecycle, including case review, evidence validation, submission, representment, pre-arbitration and closure.
• Monitor case deadlines and ensure chargeback actions are completed within applicable payment-scheme timeframes and internal service standards.
• Review transaction data, supporting documents and customer claims to determine the correct dispute reason and required action.
• Perform daily clearing and settlement activities for card transactions and verify the accurate movement of funds.
• Reconcile settlement files, bank accounts, general-ledger entries, and scheme reports; investigate and resolve breaks, mismatches, and aged items.
• Coordinate with Finance, Operations, Technology, Risk, Fraud, Customer Service, merchants, processors, and other relevant parties to resolve exceptions.
• Monitor fees, reversals, adjustments, reject items and operational losses, and escalate material issues promptly.
• Maintain accurate case records, reconciliation logs, supporting evidence, and audit-ready documentation.
• Prepare daily, weekly, and monthly reporting on dispute volumes, recovery outcomes, outstanding cases, settlement breaks, ageing, and root causes.
• Identify process gaps and recurring issues, recommend practical improvements and support implementation of agreed controls.
• Develop or update operating procedures, checklists and process documentation for chargeback and settlement activities.
• Provide knowledge transfer and practical coaching to the client bank team members during the assignment.

Knowledge and Experience:

• 5-8 years' hands-on experience in chargebacks, card disputes, clearing and settlement within a bank, payment processor, fintech, or card-services environment.
• Practical understanding of issuer and/or acquirer dispute operations and the full card-transaction lifecycle.
• Experience investigating settlement differences and performing financial reconciliations.
• Working knowledge of international card-scheme rules, dispute reason codes, evidence requirements, and processing timelines.
• Ability to interpret transaction files, operational reports, scheme reports and general-ledger entries.
• Strong attention to detail, numerical accuracy, ownership, and follow-through.
• Proficiency in Microsoft Excel and operational reporting; experience with dispute-management, card-processing or reconciliation platforms is an advantage.

Mandatory Skills:

• Bachelor's degree in Finance, Economics, Business Administration, Computer Science, Information Technology, or a related field (Master's preferred).
• Previous experience within Banking, Digital Payment & Card solutions, or the FinTech industry.
• Regional experience, including working in a faced-paced matrix organisation.
• Excellent communication skills in English (written, verbal, and presentation); Arabic preferred.

Preferred Skills:

• The ability to analyse data, troubleshoot payment issues, optimize processes, and make data-driven decisions.
• Good understanding of payment systems, digital platforms, system workflows, security basics, and industry technologies.
• An understanding of regional regulations across financial services or payment networks.