Briana N.

I’m Briana! What I do, specifically: Chargeback and dispute representment across Shopify Payments, Stripe, PayPal, Klarna, and Airwallex. Every reason code, every network. I build the evidence package around what the specific code actually requires, not a template stretched to cover everything. A “product not received” case and a “not as described” case need completely different stories told to the bank, and most losses come from treating them the same. Shopify Payments appeals and reinstatements. Terminated account, held funds, risk review gone sideways. I’ve worked the ones that looked final on paper and turned a good share of them around. One example: a mid-size rental company hit with a termination after a chargeback spike, where the real cause was a shipping delay, not fraud. I built the appeal around fulfillment records and delivery documentation showing exactly that. Reinstated. The win was in the evidence, not the argument. Fraud program and risk consulting. If your fraud controls are held together with duct tape and good intentions, I build the real thing: detection logic, dispute workflows, and documentation that keeps you compliant instead of exposed when a processor or auditor comes knocking. Here’s what working together actually looks like. I read the case before I touch the keyboard, since half of dispute work is just refusing to skip that step. Questions come early, not three days before a deadline you didn’t know existed. And if something in your account is going to lose, you’ll hear it from me straight, not after a week of me pretending otherwise. Clients tell me I’m blunt in the most useful way. I’ll take that. A few things I’ve done that tell you more than adjectives would: Took a company from a 2.33% fraud ratio down to under 0.90%, and got it formally removed from Visa’s Monitoring Program. Not a patch. A full exit. Built a real-time fraud scoring system from zero, document verification, device fingerprinting, synthetic ID analytics. First Payment Defaults dropped 60%. Delivered over $5M in annual savings at one company: tighter operational tracking, disputes resolved inside compliance windows instead of aging into losses, and renegotiated vendor and investor contracts. Took one company’s chargeback rate from 0.80% to below 0.20% in four months. Not four quarters. The ground I actually stand on: FCRA, Reg E, BSA/AML referral processes, OCC, FFIEC, NIST CSF, UDAAP. Card network compliance the same way, Visa fraud-ratio thresholds and monitoring remediation understood from the inside, not read about from the outside. First- and third-party fraud, account takeover, synthetic identity, coordinated rings, card, ACH, and P2P fraud. Vendor and third-party risk. Cross-functional delivery with Product, Engineering, Legal, and Finance, because a control that never ships protects no one. Tools and platforms I work in: LexisNexis, Alloy, Persona, Sardine, Socure, Forter, Signifyd, Cybersource, Zendesk, Salesforce, Looker, Tableau, PowerBI, PaymentTech, Demandware, Revenue Protect, Jira, Confluence, and Miro. Education: M.S., Administration of Justice & Security, and B.S., Criminal Justice / Cybercrime Administration, both from University of Phoenix. The investigative foundation under all of it. One more thing worth saying plainly. I won’t take a case I can’t help with just to bill the hours. If your situation is outside what I do well, I’ll tell you that on the first call and point you somewhere better if I can. My reputation is worth more than a single engagement. If you’re here, something’s probably already on fire, or you’re smart enough to build before it does. Either way, message me with what you’re facing. Some cases win clean. Some drag longer than anyone wants. I’ll tell you which one you’re in before we start. And truly, don’t hesitate to reach out even if you’re not sure I’m the right fit yet. I’m always glad to talk something through, share what I’ve learned the hard way, and help you get pointed in the right direction, whether we end up working together or not. Looking forward to meeting you!