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BERNITA DODSON

@bernitadodson

Dispute operations analyst who investigate chargebacks, resolved settlement discrepancies, and processed card-brand documentation.

United States

Message

At RoadSync, I investigated chargeback cases for accuracy and regulatory compliance, gathering documentation with internal teams and external customers. I also evaluated disputes initiated by issuing banks and processed cases under card bank regulations.

I prepared and submitted supporting documentation for merchant chargebacks within established time frames. I worked with the payment processor to investigate settlement discrepancies and support timely reconciliation.

At MerchantE, I developed compliance testing plans, selected samples, and used LexisNexis to support research and validation. I documented findings and recommendations when testing identified exceptions.

At Georgia United Credit Union and Delta Community Credit Union, I audited card-service and fraud/dispute processes, tested program changes, and worked on reconciliation and loss prevention. My work applied Regulation E, Regulation Z, and banking policies.

Experience

Work history, roles, and key accomplishments

Senior Dispute Operations Analyst

RoadSync

Oct 2021 - Mar 2026 (4 years 5 months)

Investigated and analyzed chargeback cases for accuracy and regulatory compliance, collaborating with internal teams and external customers to resolve disputes. Processed merchant chargebacks within established time frames and assisted the Underwriting team with risk and compliance exceptions.

Chargeback Investigation Dispute Resolution Regulatory Compliance Visa Resolve Online Mastercard Connect Discovery American Express AML KYC OFAC FCRA UDAAP Enhanced Due Diligence Microsoft 365 Data Entry Reporting

Compliance Quality Assurance Testing Analyst

MerchantE

Apr 2020 - Aug 2021 (1 year 4 months)

Developed comprehensive testing plans, selected representative samples, and executed testing within established time frames. Ensured policies and procedures conformed with regulatory standards and documented findings for corrective action.

Compliance Testing Quality Assurance LexisNexis AML KYC OFAC SARs FCRA UDAAP GLBA Documentation Corrective Actions

Card Services E-Payments Coordinator

Georgia United Credit Union

Mar 2019 - Aug 2019 (5 months)

Coordinated card-service activities and maintained regulatory compliance using knowledge of Regulation E, disputes, and chargebacks. Performed daily audits and tested new programs to ensure functionality and compliance.

Reg. E Reg. Z Privacy Law Disputes Chargebacks Recovery Finance Operations Audit General Ledger Reconciliation Vendor Management SLA Management

Card Services Quality Assurance Auditor

Delta Community Credit Union

Sep 2007 - Feb 2019 (11 years 5 months)

Audited card-service processes to verify regulatory compliance and performed daily audits to ensure accurate processing. Collaborated with dispute/chargeback processors to resolve settlement discrepancies and improved audit procedures.

Reg. E Reg. Z Privacy Law Disputes Chargebacks Recovery Finance Operations Audit General Ledger Reconciliation Vendor Management SLA Management Software Testing

Card Services Fraud Advisor

Delta Community Credit Union

Feb 2007 - Sep 2007 (7 months)

Investigated fraud activity and supported regulatory compliance using knowledge of Regulation E, disputes, and chargebacks. Monitored portfolios to detect unusual trends and performed daily fraud and chargeback operations.