Open to new opportunities

Resolving disputes,
one case at a time.

Chargeback Analyst with 2+ years in US Banking Operations at TCS — specialized in non-fraud dispute investigation, reason-code accuracy, and SLA-compliant resolution.

Email Me → +91 93448 55354
TICKET #NF-2311 Resolved
TypeBilling Error
NetworkVisa / Mastercard
Reviewed byK. Muthukumar
SLAWithin window
✓ Validated against network & regulatory rules

Profile

About

Chargeback Analyst with two-plus years at TCS resolving non-fraud credit card disputes for a US banking client. Works methodically through billing errors, service-related complaints, and processing errors, applying the correct chargeback reason codes and validating every case against card network rules. Coordinates closely with merchants, cardholders, Operations, and Risk Management to keep resolution moving inside client SLAs.

Career

Experience

Chargeback / Dispute Analyst Nov 2023 – Present
Tata Consultancy Services (TCS) · Chennai
  • Investigates and resolves non-fraudulent credit card disputes — billing errors, service-related issues, consumer disputes, and processing errors — applying the relevant chargeback reason codes.
  • Analyzes customer complaints and transaction histories to identify discrepancies and determine the appropriate resolution path.
  • Reviews and validates disputes for accuracy, ensuring adherence to Visa/Mastercard network rules and regulatory guidelines.
  • Maintains compliance with client SLAs, internal controls, and regulatory requirements throughout the dispute lifecycle.
  • Liaises with merchants, cardholders, and internal Operations and Risk Management teams to facilitate timely resolution.

Capabilities

Skills

Chargeback ProcessingAdvanced
Dispute ResolutionAdvanced
Regulatory & SLA ComplianceAdvanced
PegaProficient
MS ExcelProficient
AWSWorking knowledge
Chargeback Processing Dispute Management Dispute Resolution Credit Card Operations Non-Fraud Transaction Analysis Regulatory & SLA Compliance

Method

How a Case Gets Resolved

01

Intake

Log the disputed transaction and pull full case history.

02

Investigate

Classify as billing error, service issue, or processing fault.

03

Validate

Check against Visa/Mastercard reason codes and regulation.

04

Coordinate

Liaise with merchants, cardholders, Risk & Ops teams.

05

Resolve

Close within SLA, fully documented and audit-ready.

My Resume

Resume

Kalaiarasi M — Chargeback Analyst

View my professional resume or download a copy for your reference.

View Resume Download Resume

Background

Education

Bachelor of Commerce (B.Com)
Theivanai Ammal College for Women, Villupuram
2023

Let's talk disputes.

Open to Chargeback / Dispute Analyst roles in banking operations.

✉ moorthikalai431@gmail.com ☎ +91 93448 55354