Aiza Asuncion cover
Aiza Asuncion
Aiza Asuncion

Dispute Resolution Specialist | Risk Operations | Chargeback Expert

Open to offers · Member since 25 Aug 2026
Message
Location
Pasig City, Philippines
Desired salary
Unspecified
Work preference
Remote Only
Experience level
Senior

About

Professional summary

I am a dispute resolution and risk operations professional with extensive experience in chargeback management, fraud investigations, payment operations, and regulatory compliance. I specialize in resolving complex disputes while maintaining high standards of accuracy, documentation, and service-level adherence.

I have managed end-to-end chargeback workflows, including dispute intake, evidence review, investigations, representment, pre-arbitration, and arbitration. My experience includes working with Visa rules, payment-network regulations, Reg E and Reg Z claims, fraud patterns, transaction analysis, and account-risk decisions.

In my current risk operations work, I collaborate with cross-functional stakeholders to investigate suspicious activity, verify transactions, reconcile redemptions, and support risk mitigation efforts. I use data and reporting tools to prioritize high-volume case queues and identify opportunities to improve operational efficiency.

I also bring leadership experience from leading a team of dispute analysts, developing job aids and process maps, supporting onboarding, and helping recruit new team members. I enjoy creating clear workflows that help teams meet compliance requirements and deliver consistent outcomes.

I am highly interested in operations, analytics, automation, AI integration, and continuous process improvement. I am seeking opportunities where I can apply my expertise in chargebacks, fraud prevention, dispute resolution, and risk operations to improve customer outcomes and reduce financial risk.

Skills

24 capabilities

Tech stack & tools

Working toolkit

Collaboration

Communications

Marketing and Sales Tools

Experience

Career history

Risk Operations Specialist B2Spin Ltd

Streamlined workflows and optimized task delegation, contributing to an 80% improvement in operational efficiency. Collaborate with senior management, cross-border teams, and stakeholders across risk management and payment operations.

Manage redemption processing, verification, reconciliation, account-closure decisions, and reward declines. Investigate suspicious accounts and transactions through fraud alerts, transaction reports, and data analysis, using CRM, SaaS, Looker, and Tableau tools to manage up to 300 cases daily.

Chargeback Analyst B2Spin Ltd

Conduct comprehensive chargeback investigations, fraud analysis, evidence reviews, and rebuttal preparation, increasing dispute success rates by 15%. Analyze account profiles, financial statements, transaction summaries, dispute histories, ratios, and win rates to identify fraud patterns and process improvements.

Partner with customer success, finance, and senior management to improve representment submissions from 60% to 75%. Manage escalations, identify chargeback irregularities and fraud trends, and organize daily case queues by urgency and risk level using SaaS reporting, Google Sheets, and Microsoft Excel.

Credit Bureau Dispute Resolution Specialist / Lead RGS, LLC | US Bank

Led a Philippine pilot team of eight analysts handling charged-off and bad-debt accounts within the Collections and Recovery Department. Resolved claims involving inaccurate credit reporting while following regulatory, procedural, FCRA, documentation, and timeframe requirements.

Conducted account research for business accounts with available DDA funds to offset credit-card delinquency and avoid charge-offs under US Bank CMA processes. Created job aids and process maps, supported onboarding and training, and led recruitment efforts that filled two new-hire classes.

Chargeback Analyst - Risk Operations Ubiquity | Chime, Credit Karma

Owned end-to-end fraud investigation, dispute management, and chargeback resolution for fintech and banking operations. Improved chargeback recovery and dispute-resolution success by 20% while maintaining 99% handling and data accuracy within service-level requirements.

Handled dispute intake, filing, investigation, chargebacks, pre-arbitration, and arbitration while adhering to Visa core rules, payment-network policies, Reg E, and Reg Z requirements. Reviewed customer and merchant documentation and evidence to make sound, compliant dispute decisions; received Top Analyst recognition in 2023 and 2024.

Education

Learning history

Western Mindanao State University

BS Nursing, Nursing

Bachelor of Science in Nursing.

Mapua Malayan Digital College

BS Business Analytics, Business Analytics

Business Analytics studies; Associate in Health Science is also listed in the resume.

This professional hasn’t added portfolio projects yet.

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