Rhajeline Obiniana

Detail-oriented professional specializing in dispute resolution, fraud detection, and financial processes within e-commerce environments. Proven ability to mitigate risk, investigate transactions, and support business operations with a high level of accuracy and integrity.

Fraud and Chargeback Analyst at Atlas Financial (Fintech) (2021-02 – 2026-01)

• Perform KYC / Customer Verification through Customer Due Diligence (CDD) and conduct Enhanced Due Diligence (EDD) for high-risk accounts
• Review suspicious transactions or account behavior
• Detect fraud patterns (account takeover, phishing, card fraud, money laundering indicators)
• Managed dispute claims across fraud, non-receipt, items not as described, and unauthorized transaction reason codes; submitted representment packages within card network deadlines and achieved a chargeback win rate of 92%, exceeding the industry average of ~45%.
• Resolve transaction issues, refunds, and complaints while maintaining a positive customer experience
• Monitor chargeback trends and maintaining low chargeback ratios

Fraud and Dispute Specialist at Capital One (2017-11 – 2020-06)

• File dispute and fraud claims
• Follow Visa and Mastercard guidelines to decision a case
• Communicate with customers, merchants, and payment networks to gather evidence
• Approve or decline flagged transactions
• Investigate alerts from fraud detection systems
• Follow AML (Anti-Money Laundering) procedures
• Detect fraud patterns (account takeover, phishing, card fraud, money laundering indicators)

Practical Nursing in Nursing – Philippine Women's University