Khrystyna

KHRYSTYNA KASICH
Senior Dispute Resolution & Chargeback Specialist
Location: Sharm El Sheikh, Egypt (Available for 100% Remote Work)
Languages: English (Professional), Ukrainian (Native), Russian (Native)
PROFESSIONAL SUMMARY
Analytical Payments and Dispute Resolution Professional with over 10 years of foundational experience managing full-cycle Visa and Mastercard chargebacks, fraud monitoring, and card issuing operations. Combines a strong banking back-office background with practical B2C client communication and digital adaptability. Recently certified in Google AI, with hands-on experience using modern AI-driven verification tools for fintech onboarding. Continuously updates industry knowledge through professional networking and regulatory monitoring. Adept at navigating core transaction processes, applying Visa/Mastercard rules, and resolving complex client issues in a calm, professional manner.
CORE COMPETENCIES
• Dispute & Chargeback Management: Full-cycle Visa & Mastercard rules, Issuer/Acquirer protection, Reason Codes analysis, continuous regulatory monitoring.
• Fraud Operations & Compliance: Transaction analysis, anomaly detection, operational workflow setup, escalation procedures.
• Technical & AI Adaptability: Google AI Professional, AI-driven KYC verification (B2C), modern compliance platforms, CRM management.
• Client Management: International client communication, negotiation, objection handling, official compliance correspondence.
PROFESSIONAL EXPERIENCE
KYC & Onboarding Analyst / Compliance Analyst – Codego (Fintech)
July 2025 – Present | Sharm El Sheikh, Egypt
• Execute KYC and onboarding reviews for individual and corporate clients within a regulated EMI environment.
• Utilize modern AI-driven verification systems to audit Proof of Identity, Proof of Address, and Source of Funds for European IBAN account openings.
• Conduct risk assessments and transaction reviews in line with AML/CTF requirements.
• Draft professional compliance correspondence to resolve missing documentation issues and clarify information directly with international clients.
Sales Manager (Remote) – Group of Real Estate Companies
June 2024 – June 2025 | Remote
• Managed client communication, negotiations, and deal coordination for international property sales.
• Handled objections and facilitated the full sales cycle, contributing to successful transaction closures.
• Maintained accurate CRM records and ensured smooth communication between all involved parties.
Cards Issuing & Project Support (Contract) – Codego (Fintech)
March 2024 – June 2024 | Sharm El Sheikh, Egypt
• Supported card issuing operations and specific internal technical projects related to new card programs on a contract basis.
• Assisted with the coordination between operational, compliance, and technical teams to ensure project goals were met.
Online Tourism Services (Remote) – Freelance
July 2023 – March 2024 | Remote
• Provided online support, digital promotion, and coordination of tourism-related services.
• Worked directly with international clients and partners, resolving logistical queries and managing service delivery.
Sales Manager – Timeshare
January 2021 – July 2023 | Sharm El Sheikh, Egypt
• Managed B2C direct sales with an international client base, taking clients from initial property tours to formal presentations.
• Conducted negotiations and successfully secured contracts, including immediate upfront deposits.
• Navigated highly emotional client interactions, demonstrating strong communication and objection-handling skills in a fast-paced environment.
Senior Dispute Resolution Specialist – International Reserve Bank (formerly Sberbank Ukraine)
September 2007 – May 2018 | Kyiv, Ukraine
• Oversaw and coordinated all card dispute and chargeback cases across the national territory for Visa and Mastercard, operating on both the issuing and acquiring sides.
• Actively participated in establishing the bank’s fraud monitoring function and a 24/7 cardholder support call centre.
• Developed, maintained, and updated internal operational manuals, guidelines, and procedures for card issuing, acquiring, fraud cases, and chargeback processing.
• Prepared external documentation and managed official communications with payment schemes and counterparties to resolve fraud operations.
• Supported fraud-related transaction reviews, escalation processes, and processing migration activities.
EDUCATION & CERTIFICATIONS
• Google AI Professional Certificate – Google (7 Modules completed)
• Chargeback Level 3 – Mastercard Academy
• Mastercard Chargeback Course – Mastercard Academy
• Understanding Dispute Resolution – Visa University
• Master’s Degree in Public Finance – National University of State Tax Service of Ukraine (2000 – 2005)