<div>Lithic creates card issuing and payment infrastructure for technology companies that just works. We help some of the world’s fastest-growing digital banks, fintech companies, and software companies process billions in transactions annually.</div>Position: Risk Operations Associate Location: Remote PH Lithic is seeking an experienced Risk Operations Associate to join our team in managing fraud, dispute, and chargeback operations while delivering exceptional client support. This role is critical to maintaining the integrity of our payment infrastructure and ensuring positive client experiences. Youll work at the intersection of fraud risk management and customer service, conducting complex investigations, making precise risk decisions, and continuously improving our operational processes. This position offers an exciting opportunity to develop deep expertise in payment risk operations while working with cutting-edge financial technology. What You’ll Do: <ul> <li>Execute daily fraud monitoring and investigation workflows, analyzing transaction patterns and account behaviors to identify and mitigate fraudulent activity</li> <li>Process and investigate customer disputes, chargebacks, representments, and arbitrations according to card network regulations and internal policies, ensuring timely resolution within mandated timeframes</li> <li>Respond to customer inquiries providing clear explanations of risk decisions, dispute outcomes, and account actions</li> <li>Conduct detailed investigations of suspicious activities, documenting findings and recommendations in case management systems</li> <li>Make consistent risk decisions based on established policies while exercising sound judgment on edge cases</li> <li>Collaborate with Risk, Compliance, and Product teams to identify trends and recommend process improvements</li> <li>Maintain accurate records and reporting metrics for fraud losses, dispute volumes, and operational KPIs</li> <li>Participate in quality assurance reviews, compliance testing, and internal audits to ensure operational excellence</li> <li>Contribute to the development and refinement of standard operating procedures and training materials</li> <li>Escalate complex cases and emerging risk patterns to senior team members and management</li> </ul> What You Bring: <ul> <li>2+ years of issuer fraud and dispute operations management, preferably with a fintech or issuer processor.</li> <li>Expert knowledge and understanding of fraud and dispute investigation best practices, including how to comply with Federal Regulations E and Z, NACHA operating guidelines, and Mastercard and Visa operating rules</li> <li>Strong analytical and critical thinking skills with the ability to synthesize information from multiple sources. You are naturally curious, love complex puzzles, and find satisfaction in root cause analyses.</li> <li>Excellent written and verbal communication skills, with the ability to explain complex financial concepts clearly</li> <li>Detail-oriented approach with proven ability to maintain accuracy while managing multiple priorities</li> <li>Self-motivated with the ability to work independently and as part of a collaborative team</li> <li>Ability to maintain confidentiality and handle sensitive financial information responsibly</li> <li>Advanced Google Suite skills and Microsoft Office suite skills</li> <li>Experience with case management systems, SQL, or data analysis tools is a plus</li> </ul> Base Salary: PHP 770,000 - 840,000  <div><h3>Benefits: </h3> <ul> <li>Health, vision, and dental insurance; HSA Contribution Match</li> <li>Unlimited PTO</li> <li>401(k) match </li> <li>Voluntary Life Insurance and AD&amp;D </li> <li>3% cashback on all Privacy purchases</li> <li>12-weeks fully paid parental leave</li> <li>Work From Anywhere: work from anywhere in the world 4-weeks each year</li> <li>5-Year Fully Paid 4-Week Sabbatical Program</li> </ul> We believe in-person collaboration boosts creativity, communication, and agility, which are key to our growth. Employees in the NYC area are asked to work from our SoHo office three days a week - Tuesdays and Thursdays are core in-office days - the third is flexible. In-office employees receive:  <ul> <li>$50/month towards your commute</li> <li>Free lunch every Tuesday and Thursday</li> </ul></div>