Fraud Agent

Issuer Dispute Review

Issuer Dispute Review

AI-drafted dispute narratives and close recommendations that cut case handling from 45 minutes to under 2.

AI-drafted dispute narratives and close recommendations that cut case handling from 45 minutes to under 2.

Where it Helps

The Issuer Disputes Review agent uses AI to synthesize dispute case evidence, transaction history, device and behavioral signals, and prior dispute patterns, into a structured, analyst-ready alert. On auto-resolved cases it drafts a Reg E/Z-compliant narrative and closes the case without analyst involvement. On cases requiring review, the agent runs a dynamic SOP-based investigation, states a close recommendation with clear reasoning, and pre-drafts the compliant narrative, all within the case queue.

Key Capabilities

Structured Dispute Alerts

Synthesizes workflow evidence into an analyst-ready brief: what happened, what the signals show, and what to do next.

SOP-Driven Investigation

Runs the dispute investigation SOP to check session anomalies, linked accounts, and statement-to-evidence consistency.

Close Recommendation with Reasoning

Outputs Auto-Close or Needs Review with plain-English reasoning an analyst can act on and defend.

Reg E/Z Compliant Narrative Drafting

Drafts member communications pre-populated with specific evidence, denial basis, or approval and credit timeline.

Auto-Resolve on High Confidence

On clear cases, drafts the narrative, connects it to the resolution, and submits without analyst review.

Fully Editable Drafts

Every draft narrative is reviewable and editable before the case is closed and submitted.

Close and File in One Action

Connects investigation findings, decision, and narrative into a single close action, filing chargebacks or returns where applicable.

Audit-Ready Reasoning

Every recommendation and narrative is sourced to the specific evidence and signals it was built from.

How it Works

1

Case Created by Workflow

Rules and models resolve or flag the dispute; the agent activates on every case the workflow creates.

2

Agent Synthesizes the Evidence

Transaction, device, and behavioral signals are assembled into a structured alert with a close recommendation.

3

Analyst Reviews or Case Auto-Closes

Analyst reads a two-minute brief and approves or overrides; high-confidence cases close automatically.

4

Narrative Submitted and Filed

The compliant narrative is submitted and any required chargeback or network filing is triggered.

Popular Use Cases

Card Disputes

Unauthorized transaction, account takeover, and processing-error claims resolved with Reg E/Z-compliant narratives.

Zelle & P2P Scams

Authorized-push-payment and scam claims routed with reasoning tailored to specialist review.

ACH Returns

Unauthorized ACH debit claims investigated and resolved within NACHA return windows.