Former Wells Fargo Chargeback Analyst | End-to-End Chargeback Management for E-commerce Merchants
Are chargebacks draining your revenue and threatening your merchant account? I help e-commerce businesses recover losses and fix the systems that cause disputes in the first place.
MY BACKGROUND (BANK + MERCHANT SIDE)
I previously worked as a Senior Chargeback Analyst at Wells Fargo, where I reviewed an average of 64 disputes per day—over 30,000 chargeback cases in total. My role was to evaluate merchant responses against Visa and Mastercard rules and determine whether disputes were accepted or rejected.
From that role, one fact became clear: most merchant responses fail due to process errors, missing evidence, or misalignment with card network requirements.
I now apply that bank-side decision-making experience on the merchant side, helping businesses respond correctly—and consistently.
WHAT SETS ME APART
Unlike most chargeback specialists, I don’t only prepare rebuttals. I’ve worked with e-commerce merchants as both a consultant and an in-house dispute agent, giving me full visibility into how chargebacks move through real-world operations.
As a chargeback consultant, I was responsible for:
-Designed SOPs and end-to-end workflows for dispute handling
-Built rebuttal strategies per dispute category (fraud, no authorization, not received, etc.)
-Ensured responses aligned with Visa and Mastercard rules, not just payment processor prompts
As a Dispute & Chargeback Agent, I was responsible for:
-Handled live chargebacks across multiple payment platforms and gateways
-Prepared and submitted evidence, tracked representment outcomes, and managed deadlines
-Helped convert recurring chargeback losses into recoverable revenue
WHAT I OFFER
• Chargeback Management – Category-specific rebuttals supported by the right evidence
• Dispute Resolution – Hands-on handling across PayPal, Shopify, Stripe, and similar platforms
• SOP & Workflow Design – Structured processes that reduce errors and missed deadlines
• Process Improvement & Automation – Streamlined evidence collection aligned with network rules
• Prevention Strategy – Root cause analysis to reduce future disputes
PLATFORM AND TOOLS
Shopify
Gorgias
Freshdesk
Re:amaze
DeepL
Visa Resolve Online (rules knowledge and prior operational exposure)
Mastercomm (rules knowledge and prior operational exposure)
WHY WORK WITH ME
I understand chargebacks from both sides of the decision—the bank that evaluates disputes and the merchant that must respond correctly to win. That dual perspective allows me to identify why disputes fail, correct broken processes, and turn avoidable losses into recoveries.
I’m open to long-term partnerships with e-commerce businesses, payment processors, and agencies that need accurate, compliant chargeback management.
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