Dispute Optimization

From a cost center into a competitive advantage

OVERVIEW


Disputes and chargebacks don’t have to be just an operational burden. CRG helps issuers, acquirers, merchants and technology providers transform their dispute processes into a strategic advantage, improving efficiency, compliance, and customer retention.

CHALLENGES WE ADDRESS


Rising Costs & Complexity

Dispute volumes are increasing, driving up operational expenses and requiring specialized expertise.

Low Recovery & Win Rates

Inefficient processes and rules understanding result in financial losses and missed recovery opportunities.

Customer Dissatisfaction

Slow dispute resolution damages trust, leading to churn and lower retention.

Regulatory & Compliance Risks

Keeping up with Reg E, Reg Z, and network rules is resource-intensive and high-stakes.

MODERNIZING DISPUTE RESOLUTION


CRG’s deep experience in disputes allows us to act as a critical enabler of modernized dispute processes, by optimizing connectivity between key elements of the dispute ecosystem.

Issuers, Acquirers & Merchants

(and internal dispute teams / analysts)

Global Dispute Rules

(accurate dispute adjudication)

Technology Platforms

(optimizing resolution processes)

OUR CAPABILITIES


01 Future State Strategy
Evaluate current performance, identify key gaps against industry benchmarks, and define an optimal operating model with a clear business case.
02 Operational Optimization
Align dispute processes with Reg E, Reg Z, and network rules to improve compliance and reduce financial risk.
03 Technology Integration
Leverage AI and automation to streamline workflows, reduce manual effort, and improve dispute resolution efficiency.
04 Implementation Support
Guiding capability building, partner selection and vendor strategy to ensure the right technology and service construct for a high-performing dispute operation.
05 Continuous Improvement
Track KPIs, implement process enhancements, and provide targeted training to maximize win rates and operational efficiency.
06 Dispute Pre-filing Service
Assess high-value disputes before proceeding to arbitration, to close evidence gaps and optimize win rate.

OUR EXPERIENCE


CRG brings decades’ worth of deep network and FI experience in the creation and application of dispute rules

01

Our team has supported optimization of dispute practices in financial institutions across the US and beyond

02

Coupled with our consulting experience, we are able to bring bespoke, high-impact engagements to our clients 

03

Project Spotlight

01

CHALLENGE

The client’s internal team did not have the expertise to conduct the comprehensive back-office review and identify gaps in their end to end dispute processing, which required in-depth analysis of their process, tools, and team organization.

02

APPROACH

We assessed the current state of the clients’ operations through interviews and data analysis, with a focus on six areas (preventable lost disputes, process flows, learning and development, fraud mitigation policies, tools, and upcoming payment network initiatives). We then identified key opportunities, developed recommendations, and prioritized them based on their financial impact.

03

RESULT

We set up a project plan based on the prioritized recommendations, assisted with their implementation, and then conducted periodic checkups and benchmarking to track their progress. In the end, we successfully saved the client over $4.6 million annually in improved back-office processing and tool recommendations, in addition to improving client satisfaction scores.

DISPUTES PRACTICE LEADER


Corinna Alandt

A global industry leader and deep disputes SME with over 30 years of experience in all aspects of disputes, rules, and tools, with a focus on client back-office optimization and revenue generation. She was the Visa Global Head of Dispute Resolution Management until January 2024. She led global teams in best-in-class dispute handling for worldwide clients, and is a highly sought-after thought partner for resolving some of the most complex dispute issues for clients.

OUR DISPUTE SMEs


CRG has a global team with deep knowledge of both networks dispute transaction flows, to provide consistently reliable resolutions.

Isabelle Onkelinx

Mastercard Lead, expert in European and Global Dispute Resolution management and development of chargeback rules.

Brett Geist

Operations Lead & payments industry veteran, with extensive experience at global networks.