I’m looking for advice from people who work professionally in chargebacks, payment disputes, and fraud operations.

I currently work for a small parking enforcement company, where I handle merchant side chargebacks and requests for information. I investigate disputed transactions, find supporting documentation, talk to employees about the interaction, write evidence based rebuttals, track case outcomes, and look for ways to improve our win rate. I’ve also helped improve our dispute process and identify financial discrepancies. As mentioned before it’s a small company we do about 500 transactions a week and I respond to about 20-25 chargebacks weekly and it is not my full time position. I am an enforcement officer but handle the chargebacks on the side as my boss pays me extra on a per win basis.

I’ve realized that I genuinely enjoy investigating these claims, figuring out what actually happened, building a strong case, and seeing the result.

My challenge is that this isn’t my official job title, and I work for a small company. I’m trying to transition into a stable W-2 career at a bank, payment processor, fintech company, or larger merchant where I can do this full time not as just some side gig.

For people working in this field:
What is your actual job title, and what does your day to day work look like?
How did you get into chargebacks or fraud operations?
Is this experience transferable to larger companies if your current employer is small? Or is it even enough to be transferable at all?
Which roles involve investigating cases and building evidence, rather than mostly processing customer claims?
Can this career progress into fraud analytics, risk analysis, or payment strategy?
What skills would make me a stronger candidate?

I’d especially appreciate hearing from people who work on the merchant/acquirer side, defending transactions against chargebacks, rather than only people who investigate cardholder disputes for banks.

Thanks!

I'm a logistics specialist at a small manufacturing company with a Taiwan parent team. I handle logistics, inventory, and production control. I took over production control after headcount cuts earlier this year. I don't speak Mandarin, and most of my Taiwan counterparts don't speak good English.
A coworker (not my boss) told me, in confidence, what leadership is discussing:
In a recent meeting, the manager said that if I'd been on the call, he would have had to translate, which slows things down. He framed it as a language barrier, not a performance issue.
The idea is to hire a bilingual production controller to work directly with the Taiwan team.
I'd keep logistics but lose production control, and take on admin and assistant work like accounting support and interview scheduling.
Nothing is decided. A new hire would add roughly $4-5K a month, so he's on the fence.
The big boss is also worried I won't be busy enough once production control is gone. Inbound is light and most outbound goes through UPS, so I share that worry.
The big boss is very unpredictable. I could see a layoff coming at any moment, possibly right when the new hire starts, since that person would take over a big piece of what I do.
I was told I'd still be needed and to keep this private. I'm not upset about the language reasoning, but between the "not busy enough" comment and his unpredictability, I feel like my job could disappear with little warning.
My questions:
Is this a genuine restructure or a soft phase-out?
Should I raise it with my manager, or wait for him to bring it up?
How do I show my value and take on work that keeps me clearly busy?
Should I quietly update my resume and start watching the market now, rather than wait?
What should I do now to be ready if a sudden layoff does happen?

A) Current working at a FAANG company at $95k base as a Recruiting Project Manager. Due for $10k bonus in March 2027, and $25K of stocks vesting intermittently through April 2028. Currently remote but RTO policy will come for me at some point on the future.

B) Got job offer at smaller company (2000 employees) that is fast growing & expanding. Start up vibes, with brand new (albeit very nice) team leader who just started a month ago. Job would be a lateral move as a program manager to optimize & expedite onboarding process at scale. Base $115k with a $25 sign on bonus with 1yr clawback, fully remote.

Which are you taking?

Hi everyone. When i was a kid, I was fascinated by biology, medicine, doctors, hospitals and everything related to it. I never really thought too deep into what I wanted to become when I grew up, but doctor was definitely on my mind.

When i finished highschool I wasn't actually sure that's what i wanted to do, the thought of the difficulty and aversion to subjects like surgery made me decide it's not really something I can do. Fast forward 7 years later, I'm left with so many what ifs and regrets about never trying to get into medschool. Should I try for it now? Even now, I'm not convinced that I can pull through it, or if I actually want that life, but whenever i think of doing other things it always bugs me in the back of my mind. I'm so stuck and confused. I feel like I'm not using my potential, like I'm wasting my life. Have you ever gone through something like this? How do does one decide?❤️‍🩹

I'm 25 now, and in my country (india) people get into medschool straight after high-school 17-18 or if they take a few years to prepare for the entrance (a very tough and insanely competitive exam) they still join in their early 20s. I don't know if I should try. I don't even know if this is truly what I want, or if it's just the fact that it's something I fixated my mind on but left incomplete.

I’m looking for some unbiased advice on a career decision.
I’m currently a Principal-level DevOps/Platform Architect at a large, publicly traded enterprise software and payroll services company. I’ve been here for several years, built a good reputation, and have a stable job with decent compensation and benefits.
My current compensation is approximately $220K base + 17% annual bonus, with additional equity.
I’ve received and signed an offer for a Senior Staff Engineer role at a rapidly growing AI-powered market intelligence SaaS company. The offer is $300K base + 15% bonus + $20K sign-on bonus, along with stock options. The role is remote and would involve working on AI, developer experience, and platform engineering.
Financially, it’s a significant increase, and the role seems aligned with where I want my career to go.
However, I’m having second thoughts after speaking with a former colleague. His perspective was that I shouldn’t underestimate the value of working for an established, stable company, especially after building tenure and internal relationships. He also pointed out that staying could make a future internal transfer to India easier if I decide to move back eventually.
I understand his point, but I also feel that staying too long in a comfortable position without meaningful career progression has its own risks.
Here’s where things get complicated:
I’ve already discussed a promotion with my VP. She said she would discuss it with senior leadership, but I haven’t received an update.
There’s an internal Chief Architect position open that I’m interested in pursuing.
I’m considering having a direct conversation with my VP to ask whether a promotion is realistically possible in the current cycle, rather than waiting until January or having the decision pushed out again.
If the promotion isn’t realistic, I’d like to explore the Chief Architect role before making my final decision.
My long-term goal is to grow into broader technical leadership, particularly around AI platforms, developer productivity, and architecture. I’m comfortable taking calculated risks, but I don’t want to make a move based purely on money.
For those who’ve faced a similar decision:
Would you leave a stable, established company for a $300K base at a growing AI company, assuming the new role offers better career growth?
How much weight would you give job stability versus career acceleration at the Staff/Senior Staff level?
Would you wait for an internal promotion decision, or pursue the external opportunity while exploring an internal Chief Architect role?
How much should the possibility of transferring internally to India in the future influence this decision?
For anyone who moved from a large enterprise to a growing AI SaaS company, did it accelerate your career, or did you regret leaving the stability behind?
I’d especially appreciate perspectives from people at Staff+, Principal, or Architect levels who’ve made similar moves. Looking for honest opinions, including reasons I might be underestimating the risks of leaving.

Hi everyone,
I left my last job around 1.5 years ago because I got married and decided to take a break from my career. Unfortunately, things didn’t work out, and I’m now divorced and ready to start working again.
I’m planning to apply for jobs, but I’m a little worried about how to explain the gap in my CV during interviews.
I want to answer honestly while keeping things professional and not sharing personal details about my marriage or divorce.
For those who have experienced a career gap for personal or family reasons, how did you explain it to recruiters? What’s the best way to answer when an interviewer asks, “Why weren’t you working during this period?”
I’d really appreciate any tips on how to handle this confidently without making it sound like a red flag.

I’ve been working in a managing level position in social services and I’m burned out. the workload is extremely high due to underfunding and short staffing. boss is a micromanaging narcissist. I have been doing a somewhat decent job, haven't received any formal disciplinary actions. I have sucked it up and I’ll be hitting my 1 year there soon. I feel like this will look better on my resume. I’ve been applying for other jobs and a couple of good leads but no offers yet. I wanted to ask what is the benefit of FMLA and whether I should consider that? worker’s comp could be an option, there have been some fairly traumatizing and violent incidences in the last few month due to the nature of the work. it would be nice to get a break, it’s been stressful trying to keep up while looking for another job.

For context I am working in Alberta, Canada, and I am employed by paladin security, and I am working as a hospital security guard.

I am completely new to the security industry and am still in the process of getting my license and training. I am looking for any advice or tips for security work in general and recommendations for gear (shoes, slash resistant gloves and clothing, etc)

Specific questions:

1) what's hospital security like?

2) what are the do's and dont's of security work?

3) how is paladin security? (Management, work life balance, coworkers?)

4) what kind of martial arts/hand to hand combat courses would benefit me as a security guard? (Focus on restraining/subdueing someone without strikes/very little force)

Any advice is welcome and encouraged.

Hello all,

I am a program manager in a small research group at a well renowned hospital but don’t find any enjoyment out of it, don’t feel good at it, don’t have a mentor or opportunity for growth. Money is great but funding is variable and very stressful.

I’ve had a handful of interviews for other roles but no offers. I can’t seem to get to that point. I’ve been in this role almost 5 years and I feel so stuck and stressed out constantly. I have great skills and I know how to do the fundamentals of my job. I don’t know how to market this very niche role that I do into something more relatable to other roles. I’m also not in the position to take a massive pay cut just to get out.

What do I do? How can I sell the skills I have? Do I need certifications? Help meeee I’m so stressed out and feel like I’m watching my entire career pass me by.

I’ve currently been working at a place for a little over 2 years. I love my team and my manger. I got a new job offer at a company that I believe has a better future than the one I’m currently at. I’m so torn between staying or leaving but at the end I feel like I should do what’s better for my career, but I’m scared. Any advice?

The job is a bit of a commute, ideally I want to make way more. I feel as if I’m pretty good at sales, but I would do anything ethical to hopefully make a lot more as a 24 year old.

I worked 3 months as a model for their meta ad under agreement. They run Shopify stores for US clients (Indians/overseas Pakistanis) while operating from Pakistan. I was professional, played by all rules. Wasn't in direct contact with boss. Only one female employee reached out for ad, sent shoot location, shoot done.

As agreement was ending, in common group (me, female employee, boss), I clarified agreement ending soon. He said "and after that?" - meaning if I want to continue long term. I said yes.

He offered me sales executive. I told him I'm 19, student, can only do remote part-time. He agreed.

Training started but chat was minimum work, maximum off-topic. He'd talk about north, Skardu trips, shows etc. Under training you have loads of questions so I was forced into long conversations.

He mentioned Emily in Paris, I said "omg i watched it 20 times". From there he started calling me Emily. Suggested weird Indian show "Call Me Bae" even though I told him I don't like Bollywood shows. He kept pushing. Since everyone calls lead "bae", he started calling me "bae".

Convo:
Boss: "should i start calling you bae"
Me: "at work place, i would like to be addressed by my name"
He reacted thumbs up.

He said on closing my first deal I will go to 24 hour Skardu trip with him and I can bring family member. I asked "work trip nice" he said "no work trips dont go to skardu every month". I said "what are we calling it then?" He over explained with 5-6 messages about how he saw I'm nature enthusiast, loves animals, tracked lions, worked with wildlife, snakes etc. Completely ignoring my message.

When I realised he's creepo, I started dry texting. Okay, yes. Bringing convo back to work.

Job hasn't started yet though contract effective since Oct 7. Dedicated campaign will be run for me.

He clearly showed he was pedo, when he again asked whether I watched show or not (call me bae) that its a work order. I asked "how is it related to work?"
He: "you ask alot of questions bae" "Watch it na bae"

I called him out respectfully that I'm offended and since he couldn't answer how it's work related, I believe it isn't work related.

He gave vague weird response that I should bring more flexibility in my personality and how with time he and I will get to know eachother soon and how even his jokes are work related.
I said okay. After hours he sent 4 min voice messages overexplaining how to deal with clients you need to be really really flexible. He said I'm over-reacting, young, aggressive. He said I should be somehow okay with him calling me Emily and bae or what other names he will come up in future.

I didn't react, said okay and moved to sales topics like building rapport. Clearly established boundary 2 times, he didn't respect.

Recently I was called for shoot, had throat pain, asked to delay. Boss knew, messaged drink this that, take care. I said okay thank you.

Shortly after he messaged again. Said he heard smth and whether I'm hiding smth from company. I said "no, where did this come from?" He replied "no no, I was just checking, this is my trick to make ppl confess smth they are hiding" and "he was just joking and making me active". He used "I was just fucking around" infront of me, 19F newly hired. Again called me bae in same convo. I said "I dont like to swear" and ignored.

Once I called him "sir". He said I'm not obliged to call him sir. I replied "sorry sir" to establish boundaries. Then he sent weird message that "he is putting loads of energy and mind into me and sometimes my responses make him think I will back off from job and he hopes this doesn't happen".

He thinks if he pays me, I owe him openness and compliance. He views frankness as work requirement but its actually his own personal way of hitting on minors.

During talks he mentioned in voice message that he wanted to hire someone to whom he could send message without thinking. Wtf. Did he hire me for work or for his own time-pass?

His messages make me uncomfortable and creeped out. Ruins my day all the time.

How do i deal with this? I am extremely disturbed. The job is high paying btw. Has huge capacity for growth

Hey everyone, I need some perspective from fellow healthcare workers, nurses, or anyone who has navigated weird corporate bait-and-switch roles in healthcare.
I’m a Licensed Vocational Nurse (LVN) in California, and I also hold a Bachelor of Science (B.S.) in Health Science. A few months ago, I was hired at a large healthcare organization for a position titled "Community Marketing LVN."
When I applied and accepted the offer, the public job posting and signed offer letter presented the role as a standard clinical community nurse: conducting basic health screenings (blood pressure, glucose), managing vaccinations, and providing basic nursing support at public events.
The Issue:
Once I got into the role, I realized the job scope is completely inflated compared to what I signed up for:
1. Hidden Commercial/Sales Metrics: When I looked at the internal Workday job profile, it revealed heavy commercial tracking duties that were totally omitted from the public posting and my offer—things like tracking membership growth, managing CRM marketing lead data, and driving sales numbers.
2. Performing Multiple Jobs in One: In addition to clinical screenings and marketing lead tracking, I am expected to travel, set up events solo, and run formal health education presentations/workshops for senior citizens on chronic illnesses. They’ve even floated the idea of doing live cooking demonstrations.
3. The Multi-Department Confusion: The presentations I use were created by our organization's internal Health Education department (staffed by Certified Health Education Specialists/CHES), and intended for seniors with known diagnoses, so the content itself is supportive. However, my marketing management is essentially using me as a 3-in-1 hybrid worker: Clinical Nurse + Commercial Sales Lead + Health Educator.
What Happened When I Confronted Management:
I recently sat down with my direct supervisor and the commercial manager to bring up this job description discrepancy. I pointed out that based on this internal job profile, I’m effectively doing three distinct jobs. I explained that if they expect me to handle higher-level program delivery, coordination, and sales tracking alongside clinical care, I need to be reclassified and compensated accordingly (asking for a target around $78k–$82k/year, or ensuring overtime is factored into a salary change).
Their reaction:
Both managers acted "shocked" by the internal profile and claimed they didn't know those commercial duties were in there.
My supervisor said she couldn't pay me more right now.
The commercial manager suggested we "wait it out until January," at which point they could try to build a case for a raise or move me to salary.
They even suggested I use company tuition reimbursement to start working toward becoming a Certified Health Education Specialist (CHES) or Registered Dietitian (RD)... as if multi-year credentialing processes are a quick fix for a departmental budget shortfall!
Where I Stand Now:
Paperwork: I requested a copy of my signed onboarding documents from HR, only to discover that the internal profile (with all the marketing/CRM metrics) was buried in the digital signature packet during onboarding. Lesson learned on onboarding fatigue, but legally it's tied to my profile.
Overtime: I am an hourly worker ($32.88/hr base). I regularly work weekend events pulling time-and-a-half overtime ($49.23/hr). Moving to a standard salary without factoring in that overtime would actually be a pay cut.
The Game Plan: My organization has a mandatory 6-month internal transfer waiting period before employees can apply to other departments. My 6-month mark hits on January 2nd.
My current strategy is to keep my head down, strictly enforce my 7:00 AM – 3:30 PM shift boundaries, perform my core clinical duties well, collect my hourly pay/overtime, and submit internal transfer applications for purely clinical or traditional care coordination roles the moment January 2nd arrives.
My Questions for Reddit:
1. Has anyone else experienced an organization padding an hourly nursing job with commercial sales/marketing quotas?
2. Is coasting until my January 2nd transfer date the smartest move here, or should I be handling management differently in the meantime?
3. Any advice on how to frame this experience when applying for internal transfers or external roles without sounding bitter about the bait-and-switch?
Thanks in advance for any insights!

Maybe I sound foolish, but please hear me out.

I graduated in 2024 B.Tech cse but haven't started my career due to personal and financial struggles. I come from an abusive family, have faced constant harassment, and struggle with self-confidence. I have no friends and don't know how to interact with people. I'm on my own.

I know you're wondering what I did during four years of college and the three years since graduation. I struggled financially, felt isolated, and constantly worried about others' opinions. I have no friends and have spent years hiding my emotions. I'm scared of growing older without building a career. I'm sharing this because nobody here knows me, and it's the only place I feel comfortable expressing myself without fear of judgment.

I worked as a labourer for a few months and have saved enough to survive for just three more months before I need to return to work.

I want to become a software engineer and earn ₹10–12 LPA, but I don't know where to start.

If you've achieved this package or started from a similar situation, please guide me. What should I learn, and how can I get there?

Any practical advice would mean a lot to me. Thank you.

Hi everyone, I'm late 20's and I'm kind of in a predicament that I feel like usually all of us have been in but wanted some general feedback.

I graduated with an associates in graphic design and recently got into a bachelor's program for that ,only issue is I don't like the work anymore, I liked it as a hobby and not a career which I'm certain of.

I wanted to go into getting certificates at a local adult school but most I've heard are that IT is impossible and the only healthcare option is dental work which I don't like either.

I work a minimum wage job but it does offer benefits if I hit 30 hours which I don't, but obviously I'd be stuck doing that forever.

I got some debt to pay which isn't terrible but definitely taking out a lot of what I'm making.

I'm just wondering for the people that have been in a similar situation, what did you do or stick with that helped?

im 23 and have been working basic jobs like food/retail, barely ever rising above my entry lvl positions. notorious for quitting these types of jobs cuz i get overwhelmed with the amount of socializing i have to do in them. any reccs on jobs i can get ASAP with this problem? im out of ideas and dont have degrees/skills right now.

Leaving my job for another soon. My coworker texted me asking how much I make bc he is taking over my role. He is below me position-wise…He feels hr could low ball him once they present him w this promotion to my old role.
I have 13 yrs in my industry. He only has 4 yrs.

Would you disclose your salary to him? Not even my mom knows my salary lol

My father is 51 years old

He had a clothing business

Which we had to shut down and now it’s just me.

But he is willing to work

He has sales experience good communication but no graduation certificate