Raymond F.

Managed the complete dispute lifecycle, from notification to representment submission, and reviewed reason codes in alignment with card network standards to minimize errors. Drafted tailored, evidence-based rebuttals for categories such as Fraud, Not Received, and Canceled Recurring Billing, using supporting documentation. Conducted transaction analysis with payment processor data including AVS, CVV, 3D Secure, IP, device fingerprint, and geolocation to identify behavioral consistency. Audited subscription cycles and verified relevant details for recurring billing issues. Extracted and interpreted shipping logs from multiple carriers to support 'Not Received' claims. Assembled compliant documentation packages and coordinated with merchants to gather supporting materials. Reviewed customer communications and high-value transactions, and ensured compliance with Visa and Mastercard representment requirements.

Oversaw chargeback dispute processes from start to finish, ensuring resolution aligned with timelines and collaborating with stakeholders to address chargeback trends. Managed invoice intake, review, and validation for accuracy and compliance, resolving discrepancies prior to approval. Handled escalated payment and invoicing cases and monitored progress to meet SLAs. Developed and maintained procedures for dispute and invoice management in line with regulatory and audit requirements. Worked with Product, Support, and Finance teams to streamline workflows, and provided training and mentoring to junior team members on dispute and invoice processes.

Supervised the end-to-end management of cardholder chargebacks and disputes, processing cases in accordance with card scheme regulations. Analyzed and resolved disputes to control financial exposure and adhered to resolution targets. Guided team members, delegated tasks based on complexity and capacity, and conducted performance feedback and coaching. Contributed to process optimization initiatives by identifying workflow inefficiencies. Served as the escalation point for complex cases and collaborated with Risk, Fraud, and Finance teams for resolution. Produced reports on dispute trends, team performance, and recovery outcomes. Reviewed and reconciled partner and customer invoices linked to dispute activities.

Conducted in-depth reviews of cardholder disputes and chargebacks to assess case validity and root causes in line with network and company guidelines. Analyzed transaction data and merchant documents to assemble evidence for representment or resolution. Ensured compliance by accurately processing chargebacks and meeting card scheme deadlines. Escalated complex cases to senior staff, supplying thorough documentation. Collaborated with Fraud, Risk, and Customer Service to verify case details. Monitored dispute patterns, proposed improvements, and supported performance reporting and metrics tracking. Assisted with peer training, onboarding, and processed invoices related to dispute tasks.

Investigated and resolved cardholder disputes and chargebacks following card network and company policies. Reviewed transaction histories and merchant documentation to establish case validity and recommended resolution paths. Maintained compliance by processing cases with attention to detail and meeting deadlines. Cooperated with Fraud, Risk, and Customer Service teams to gather information and resolve cases. Maintained accurate records, communicated next steps, and contributed to dispute trend analysis and improvement initiatives. Provided general team support, including assisting with documentation audits and process updates.