Byri Sushma
Fraud And Charge Back Analyst
Hyderabad
Summary
Chargebacks are customer-initiated payment disputes handled through card networks and issuing banks. They typically arise from fraud, service issues, or transaction errors. Effective chargeback management requires identifying root causes, responding with strong supporting documentation, and implementing preventive controls such as fraud monitoring, clear billing descriptors, and transparent refund policies. Proactive chargeback reduction protects revenue, improves customer trust, and helps maintain healthy merchant risk ratios while ensuring compliance with card network regulations.
Overview
2
2
years of professional experience
Work History
Risk Operations Associate
WIPRO
2023 - 12.2025
Detail-oriented Chargeback Specialist with experience managing end-to-end dispute resolution, fraud analysis, and representment across card networks. Proven ability to reduce chargeback ratios, meet strict deadlines, and ensure compliance with Visa, Mastercard, and AmEx regulations. Strong analytical skills with a focus on accuracy, risk mitigation, and customer experience.
Education
Bachelor of Commerce -
Vaagdevi Degree College
Mancherial Skills
: Chargeback lifecycle management (end-to- end)
:Dispute analysis & root cause identification
:Fraud detection and prevention strategies
:Representment & evidence compilation
:Card network rules (Visa, Mastercard, AmEx)
:Risk mitigation & loss prevention
:Chargeback ratio monitoring and reporting
:Refund and reconciliation processes
:Customer dispute resolution
:Compliance with payment regulations
: Fraud monitoring & transaction risk analysis
: Policy review & regulatory compliance
:kyc/Aml/Documentation verification
:performance monitoring
Accomplishments
“Accomplished valuations for the NHT junior batch with precision and efficiency.”
Timeline
Risk Operations Associate
WIPRO
2023 - 12.2025
Bachelor of Commerce -
Vaagdevi Degree College
Languages
English