Senior Disputes & Chargebacks Specialist | Visa · Mastercard · Stripe · Shopi

I have spent the past several years working directly with ecommerce and subscription merchants on the dispute and chargeback side. At Chargeflow, I handled cases for over 100 DTC ecommerce brands across Shopify Payments, Stripe, PayPal, Klarna, Braintree, Airwallex, and PayArc. I understand the full ecommerce stack from order intake to fulfillment to post-purchase support, and I have worked with merchants in supplements, beauty, apparel, kitchenware, gaming, and food and beverage. I am familiar with how chargeback patterns vary by product category, how subscription billing affects dispute volume, and how customer support quality directly impacts chargeback ratios.

I investigate fraud claims using AVS results, CVV responses, 3D Secure authentication logs, IP addresses, device fingerprinting, and geolocation data. I have defended thousands of fraud chargebacks across major card networks and PSPs, including high-value cases over 20,000 dollars per transaction.

I have 13 years of hands-on chargeback analysis experience across both acquirer and merchant sides of the payments industry. I review reason codes, analyze transaction data, and build evidence-backed rebuttals for disputes across Visa, Mastercard, Amex, Discover, and regional card schemes. Over the past year alone I processed roughly 10,000 disputes for over 100 ecommerce and subscription merchants at an 80 to 85 percent win rate.

I work daily inside the Shopify dispute interface as part of my chargeback management work, pulling order data, customer details, shipping logs, and refund records to build dispute evidence. I am familiar with Shopify Payments dispute workflows, evidence formatting requirements, and submission timelines.

I have worked across all major card networks (Visa, Mastercard, Amex, Discover) and major PSPs including Stripe, Shopify Payments, PayPal, Klarna, Braintree, Airwallex, PayArc, and Business Tracker. I understand authorization, capture, settlement, and dispute flows end-to-end.

I have built dispute and invoice workflows from scratch and led process redesigns that delivered measurable results, including a 20 percent improvement in invoice processing efficiency and 15 percent reduction in project costs at Finstro. At Global Payments I served as the subject matter expert for an 80 to 100 person department and trained 10 to 30 new analysts.

I directly managed 1 to 5 new hire analysts as Disputes Process Lead at Global Payments, while serving as the go-to subject matter expert for the wider 80 to 100 person department. I trained 10 to 30 new analysts across my decade there. I currently mentor 1 to 3 direct reports at Finstro.

I use Gorgias to access customer support tickets and conversation histories for dispute evidence gathering. I understand its integration with Shopify and how to pull relevant communication data for rebuttals.

I currently handle invoice validation as part of my Resolutions Lead role at Finstro, a B2B fintech that has funded over 1.3 billion dollars in transactions. I review and validate 90 to 150 invoice cases per month, ensuring accuracy, proper documentation, and timely resolution within SLA requirements. I investigate invoice discrepancies, coordinate with merchants and partners on payment-related issues, and drive resolution from intake through closure. I also built the invoice management procedures from the ground up since no structured process existed when I joined.