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vishvad_jha

Vishvad Jha

@vishvad_jha

Dispute Resolution and Chargeback Analyst

India
Inglese, Hindi, Gujarati
Alcune informazioni sono riportate in lingua inglese.
Chi sono
I spent 4.5 years as a Dispute Resolution & Chargeback Analyst at Bank of America, handling the full chargeback lifecycle. First Chargeback, Representment, Pre-arbitration, and Case Filing under Visa/Mastercard rules. I write dispute response letters that match the actual evidence a reason code requires, not generic templates. I also build chargeback trend reports so you can see what's driving your disputes before they happen again. Send me your case details or a data export. I work with Excel and SQL, no live payment system access needed. Fast turnaround, plain-English writing.... Continua a leggere

Competenze

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vishvad_jha
Vishvad Jha
offline • 
Tempo di risposta medio: 1 ora

Consulta i miei servizi

Analisi dei costi
I will build your chargeback dispute report
A partire da45 USD / progettoMaggiori dettagli

Portfolio

Esperienza lavorativa

Bank_of America

Analyst

Bank of America • Full time

Mar 2021 - Jul 2025 • 4 yrs 4 mos

Managed the end-to-end chargeback lifecycle - First Chargeback, Representment, Pre-arbitration, and Case Filing under Visa/Mastercard regulations, in an environment with little room for guesswork on process or deadlines. Monitored real-time debit card transactions for unauthorized and reauthorized fraud, processed retrieval requests, and investigated cardholder and non-cardholder disputes to determine appropriate resolution and monetary recovery. Evaluated merchant responses and handled escalations across chargeback stages, including complex cases requiring timely, accurate resolution. Performed outbound calls to verify suspicious transactions, and worked account discrepancies, payment investigations, and adjustments tied to disputed transactions. Conducted fraud trend analysis for internal teams and maintained transaction/dispute records for reconciliation and audit support, meeting SLA and compliance standards throughout. Collaborated with cross-functional and offshore teams to improve process efficiency, and mentored new hires training them on fraud processes, dispute handling, and internal systems, which sharpened my ability to explain this work clearly to people who haven't seen it before.