Chargeback & Fraud Risk Specialist | 18+ Years in Payments, Dispute Management & Card Network Compliance (Visa, Mastercard, Amex) | Fintech & Banking Operations Leader
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I am a payments operations and fraud risk professional with over 18 years of experience in chargeback management, dispute resolution, and operational leadership within banking and fintech environments.
Throughout my career, I have specialized in managing end-to-end chargeback processes, fraud investigations, and compliance with global card network regulations including Visa, Mastercard, and American Express. I have led operational teams, implemented process improvements, and introduced automation and reporting solutions that improved dispute resolution efficiency and recovery rates.
Currently, I work as a Chargeback Consultant at SKARR Business Solutions where I collaborate with product and engineering teams to develop a proprietary chargeback management platform. My role focuses on translating card network rules into scalable workflows, improving operational efficiency, and enabling data-driven decision-making through reporting dashboards and automation.
Previously, I held leadership roles at Chargebackgurus Fintech Ltd. and Tata Consultancy Services where I managed large-scale chargeback operations, handled complex dispute cases, and strengthened compliance and audit readiness for financial institutions.
I am passionate about improving payment ecosystem security, reducing fraud losses, and building efficient dispute management frameworks for financial institutions and fintech organizations.
I am open to opportunities in Payments Risk, Chargeback Operations, Fraud Management, and Fintech Operations Leadership.
SKARR Business Solutions., Chennai
Chargeback Consultant (Oct'25 – Mar’26)
Collaborate with product and engineering teams to develop a chargeback management platform.
Translate card network regulations into system workflows and dispute automation processes.
Define reporting frameworks and dashboards to track dispute KPIs and recovery performance.
Support process automation initiatives to improve operational efficiency and dispute resolution timelines.
Chargebackgurus Fintech Ltd., Chennai
Asst. Manager (Mar'22 – Sep’25)
Managed end-to-end chargeback operations for global merchants across Visa, Mastercard, and Amex networks.
Led teams handling high-volume dispute cases and fraud investigations.
Improved chargeback representment success rates through strong documentation and evidence submission strategies.
Implemented reporting dashboards to monitor dispute trends and operational performance.
TCS Ltd., Chennai
Manager (Dec'07 - Mar'22)
Handling the chargeback team (Issuing Bank) includes processing chargebacks and small balance write-offs.
Ensuring capacity planning and acting as an escalation gate.
Managing monthly deliverables and handling unit-level activities like Risk Control Self-Assessment audits.
Preparing BCP documents and managing chargeback processes within the U.S. timeframe.
Ajuba Solutions, Chennai
Sr. Executive (Dec'05 - Dec'07)
Working on provider billing and handling customer complaints.
Coordinating with other teams to share knowledge and resolve issues.
