Ma Arnes V.

I have several years of experience in customer service and back-office operations, with a strong focus on dispute resolution, claims investigation, fraud identification, and compliance-based support. I’ve worked across healthcare, financial, and operational accounts, handling sensitive cases where accuracy, documentation, and turnaround time are critical. I started my career in customer service and gradually moved into more complex back-office roles. Most of my recent work has been focused on dispute handling, particularly fraud and identity theft cases. I handle both direct customer disputes and indirect disputes received from Credit Reporting Agencies through e-OSCAR. For direct disputes, I review fraud and identity theft claims, validate account and tradeline information, analyze transaction history, and request supporting documentation such as credit reports or police reports when applicable. I also guide customers through next steps, including advising them to report confirmed fraud cases to the FTC. For indirect disputes or ACDVs, I review the dispute details and codes, confirm the specific issue being challenged, and validate the information using internal systems and supporting documentation. I then submit accurate responses through e-OSCAR in compliance with FCRA and Metro 2 guidelines. I’m most familiar with fraud-related and deletion response codes, including 07, 03, and 13. I’m comfortable working in high-volume environments, following strict workflows, and meeting tight SLAs. I work well independently, communicate clearly in writing, and adapt quickly to new systems and processes. Clients value me for being reliable, detail-oriented, and easy to work with, especially in roles that require accuracy and trust.