Cards Operations & Processing Chargeback Officer

About UOB

United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and offices. Our history spans more than 80 years. Over this time, we have been guided by our values – Honorable, Enterprising, United and Committed. This means we always strive to do what is right, build for the future, work as one team and pursue long-term success. It is how we work, consistently, be it towards the company, our colleagues or our customers.

Job Description

About the Department

The Technology and Operations function is comprised of five teams of specialists with distinct capabilities: business partnership, technology, operations, risk governance and planning support and services. We work closely together to harness the power of technology to support our physical and digital banking services and operations. This includes developing, centralising and standardising technology systems as well as banking operations in Singapore and overseas branches.

Overview of the Role

The candidate will be responsible for leading the end‑to‑end chargeback operation for issuing‑bank card transactions, ensuring compliance with Visa/Mastercard network rules, regulatory requirements, and internal risk guidelines.
This role requires strong operational expertise in dispute management, customer protection, and card operations. The individual will also be expected to collaborate effectively with internal partners, schemes, and acquiring banks.

Job Responsibilities

1. Review, analyze, and validate chargeback scenarios of transaction disputes requests from Cardholders.

2. Submit to respective issuer/ merchant through respective schemes' dispute management system platforms.

3. Follow the chargeback status.

4. Adjust & monitor all GLs regarding chargeback process.

Stages of Chargeback:

• 1st Chargeback
• Representment
• Pre-arbitration / Pre-Compliance
• Arbitration / Compliance

Job Requirements

• Bachelor’s degree in business administration.
• At least 2 years of experience in Cards Operations including strong expertise in Settlement, Chargeback, Disputes across Visa/Mastercard schemes.
• Deep understanding of card operation processes, card scheme rules, regulatory requirements, and end‑to‑end dispute lifecycle (chargeback, representment, pre-arbitration, arbitration…).
• Strong communication skills in English and Vietnamese, capable of working effectively with internal teams, merchants, acquirers, issuers, and card schemes.
• Creativity, initiative, and drive: an advocate for innovative thinking, cultural development, with a results mindset
• Ability to think independently, analytically, and logically.
• Ability to thrive in a fast‑paced environment with tight deadlines and high accuracy requirements.
• Passionate about continuous learning and digital innovation.

Additional Requirements

Be a Part of the UOB Family

UOB is an equal opportunity employer. UOB does not discriminate on the basis of a candidate's age, race, gender, color, religion, sexual orientation, physical or mental disability, or other non-merit factors. All employment decisions at UOB are based on business needs, job requirements and qualifications. If you require any assistance or accommodations to be made for the recruitment process, please inform us when you submit your online application.

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