Lemuel Dagami

Executed daily fraud detection workflows by analyzing transaction patterns and account behaviors to identify and mitigate potential fraudulent activity. Managed customer disputes/chargebacks through representments and document-ready case handling, while maintaining fraud and dispute reporting metrics.

Performed merchant underwriting and due diligence for new merchant applications by evaluating risk profiles and verifying required information and documentation. Reviewed and disposed BSA/AML alerts and completed annual merchant reviews and administrative updates accurately and on time.

Investigated reported chargebacks and return transactions using risk analysis to determine appropriate account actions. Prepared defensible dispute documentation by performing KYC verification and managing cases across multiple acquirer and network tools while monitoring monthly dispute trends.

Provided expert guidance on Visa, Mastercard, and Discover regulations to ensure operational excellence and adherence to Regulation E. Supported client escalations by explaining dispute outcomes and account actions, and recommended process improvements based on observed risk and dispute patterns.

Managed the end-to-end dispute lifecycle by investigating and resolving customer disputes, chargebacks, and representments in line with card network regulations and internal policies. Performed detailed transaction investigations to identify emerging fraud trends and supported timely resolution of pre-arbitration cases using case management and network tools.

Handled a high-volume caseload of chargebacks, representments, and pre-arbitration cases, including case initiation, evidence gathering, and issuing credits/reversals when warranted. Ensured compliance with network and federal requirements (including Regulation Z) while providing outbound customer support for billing errors and dispute inquiries.

Pursued a Bachelor of Business Administration with a major in Human Resource Development Management from 2020 to 2025.