Global Operations & Disputes Specialist
Resume:
Sudbury, ON. Canada
********.***********@*****.***
linkedin.com/in/maria-paz-bravo-
rivero
C O N T A C T
E D U C A T I O N
S K I L L S
L A N G U A G E
W O R K E X P E R I E N C E
S U MMARY
International Operations Specialist with over 5 years of experience in financial services, banking, and global mobility. Expert in end-to-end dispute management, transaction auditing, and regulatory compliance across LATAM, North America and European markets. Proven ability to analyze complex data patterns to drive ROI and streamline operational efficiency. A versatile communicator skilled in managing high-stakes stakeholder relationships and navigating the technical nuances of global payment systems and immigration frameworks. General Business - Post-Graduate
Diploma 2021-2022
Cambrian College
Sudbury, Ontario, Canada
Chargeback & Fraud Analyst
Bytetravel S.A.
Oct 2024 – Present
End-to-End Dispute Management: Lead the investigation and resolution of high-volume payment disputes and fraud cases across multiple platforms, including Stripe, PayPal, Ecommpay, Amex, Shopify, and Worldpay.
Pre-Dispute Mitigation: Proactively utilize Verifi RDR and Ethoca Alerts to intercept and resolve disputes before they escalate to chargebacks, successfully maintaining healthy merchant ratios and preventing financial penalties.
APM Specialization: Manage complex dispute workflows for Alternative Payment Methods (APMs), specifically Klarna (BNPL) and PayPal, ensuring strict adherence to their unique protection policies and resolution timelines.
Compliance & Monitoring: Continuously monitor transaction data to ensure full compliance with Visa and Mastercard scheme rules, identifying root causes of disputes to implement preventive risk strategies.
Data-Driven Analysis: Analyze chargeback trends and fraudulent patterns to optimize recovery rates (ROI) and streamline representment evidence packages.
Dispute Resolution
Risk Mitigation
Client Relationship
Negotiation & Pricing
Market & Trend Analysis
B2B Operations
Strategic Planning
VLOOFUPs / Excel Data Analysis
Compliance & Auditing
Process Optimization
Cross-Team Collaboration
Time Management
Highly Organized
English: Professional Fluency
Spanish: Native
Administrative Assistant
M A R I A R I V E R O
Administrative Assistant
Placement International
June 2024 - Oct 2024
Payment Operations Control: Oversaw administrative and payment control operations for partner universities abroad, ensuring 100% accuracy in financial processing for international placements.
International Coordination: Acted as a key liaison for global institutions, resolving billing discrepancies and managing sensitive financial documentation across different jurisdictions. International Trade - Post-Graduate
Diploma 2014-2015
Inacap
Ecotourism Projects Administration –
Bachelor’s Degree 2008-2011
DuocUC
Canadian Permanent Resident Authorized to Work i n Canada W O R K
A U T H O R I Z A T I O N
Canadian Permanent Resident
SIN Holder (No Sponsorship Required)
Fully Mobile & Ready for Onboarding
D R I V E R ' S L I C E N S E
Full G Ontario Driver’s License
Holder.
S O F T W A R E & T O O L S
C E R T I F I C A T I O N
P R O F E S S I O N A L
D E V E L O P M E N T
W O R K E X P E R I E N C E
Administrative Assistant
Y International Recruiting & Immigration Services Inc. Nov 2022 – Feb 2024
Preventing and Fighting Common
Chargebacks for Merchants
Merchant Risk Council (MRC)
Mentorship Program Merchant Risk
Council (MRC)
6-Month Intensive Mentorship
Immigration Compliance: Managed the administrative lifecycle for Foreign Skilled Worker applications, ensuring all documentation met strict Canadian immigration standards and regulatory requirements.
Client & Stakeholder Relations: Coordinated directly with business clients regarding recruitment needs and provided high-level support for employer-candidate integration.
Logistics & Integration Management: Facilitated the essential relocation process for candidates, including the setup of bank accounts, Canadian mobile services, and provincial health coverage (OHIP).
Operational Support: Managed recruitment logistics, including job board postings, travel itineraries, and scheduling for cross-border interviews in a fast-paced environment.
Operations Support
Banco de Chile
Aug 2018 – June 2019
Transaction Auditing: Verified data for incoming and outgoing wire transfers and international check processing to ensure regulatory compliance and minimize operational errors.
Foreign Trade Support: Provided technical support to executives in the execution of foreign trade products, including the purchase and sale of foreign currency.
Documentary Management: Managed the review and archiving of complex trade finance documentation, ensuring precise record- keeping for the operations department.
Operations & Client Specialist
Banco Santander
Jan 2015 – July 2018
Financial Analysis: Conducted rigorous reviews of international wire transfers, arbitrations, and foreign currency trading orders to maintain high standards of accuracy and security.
Regulatory Compliance: Audited currency credit applications and foreign currency loans, ensuring full alignment with central bank requirements and government lending regulations.
Complex Inquiry Resolution: Responded to high-level inquiries from internal and external clients regarding international banking products and transaction discrepancies.
Operational Risk Management: Maintained thorough financial records of verified transactions, contributing to the overall integrity and stability of the foreign trade department. Payment & Merchant Platforms
Stripe, PayPal, Worldpay
Ecommpay, Amex, Shopify
Dispute & Risk Management
CB911 (Chargeback911)
CRM Systems
Signifyd
Productivity & Business
Microsoft Excel
Office 365 & Outlook
Adobe Acrobat Professional
Sudbury, ON. Canada
********.***********@*****.***
linkedin.com/in/maria-paz-bravo-
rivero
C O N T A C T
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