Lemuel Morial

Results-driven finance and risk operations professional with 5+ years of experience in chargebacks, fraud analysis, dispute resolution, and banking escalations. Strong investigative and analytical skills with a proven ability to resolve complex financial issues, minimize risk, and improve customer trust. Experienced in handling high-volume cases in fast-paced environments.

Chargeback and Disputes Analyst - TaskUs - Ortigas, Pasig, Philippines

(2023-01)

• Manage the full chargeback lifecycle, including investigation, documentation, and resolution
• Analyze disputed transactions and identify root causes of chargebacks
• Develop response strategies to reduce financial loss and mitigate risk
• Collaborate with internal teams and external partners to resolve disputes efficiently
• Ensure compliance with company policies and financial regulations

Executive Office Case Specialist / Senior Escalation Representative - Wells Fargo - McKinley Hills, BGC, Taguig City, Philippines

(2021-01 - 2023-12)

• Conducted in-depth investigations on escalated customer complaints and banking issues
• Determined appropriate resolutions for cases involving deposits, applications, and fees
• Provided clear, timely, and effective solutions to maintain customer satisfaction
• Supported junior team members in handling complex cases
• Assisted in rebuilding customer trust and account reconciliation efforts

Cash Posting Representative - Tenet Healthcare - BGC, Taguig City, Philippines

(2020-01 - 2021-12)

• Posted and processed payments accurately to customer accounts
• Managed refunds, billing adjustments, and invoice corrections
• Reconciled accounts and resolved discrepancies
• Maintained accurate financial records and supported accounting operations

Fraud / Risk Analyst - Ubiquity Global Services - BGC, Taguig City, Philippines

(2019-01 - 2020-12)

• Monitored customer transactions to detect fraudulent activities such as account takeovers and unauthorized transactions
• Analyzed transaction patterns to identify fraud trends and potential risks
• Investigated suspicious accounts while maintaining strict confidentiality
• Helped prevent financial losses through timely detection and reporting

Bachelor of Science - Information Technology - System Technology Institute (2004-01 - 2007-12)