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FINANCIAL SERVICES

FINANCIAL SERVICES

AI Assurance for Credit Card Chargeback

AI Assurance for Credit Card Chargeback

AI Assurance for Credit Card Chargeback

Every AI chargeback decision scored for accuracy, bias, and consistency, so the reviewer knows when to trust the agent and when to step in.

Every AI chargeback decision scored for accuracy, bias, and consistency, so the reviewer knows when to trust the agent and when to step in.

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THE WORKFLOW RISK

THE WORKFLOW RISK

One biased denial, multiplied across thousands of chargebacks and it becomes systemic. That's exactly what... regulators are trained to spot.

One biased denial, multiplied across thousands of chargebacks and it becomes systemic. That's exactly what... regulators are trained to spot.

One biased denial, multiplied across thousands of chargebacks and it becomes systemic. That's exactly what... regulators are trained to spot.

Approve too easily and fraud losses climb. Deny unfairly and the issuer breaches Reg E, FCA consumer duty, and scheme rules. A pattern across protected classes becomes a fair-treatment investigation.

Approve too easily and fraud losses climb. Deny unfairly and the issuer breaches Reg E, FCA consumer duty, and scheme rules. A pattern across protected classes becomes a fair-treatment investigation.

WHERE AGENTIC AI BREAKS HERE

Three failure modes that turn a chargeback agent into a liability

Three failure modes that turn a chargeback agent into a liability

Bias the reviewer cannot see case by case

Each summary looks reasonable in isolation — but together, a pattern of inconsistent denials begins to emerge.

Hallucinated case summaries

The agent smooths over evidence inconsistencies. The reviewer approves a clean narrative the data does not support.

Inconsistent policy application

Two near-identical disputes, two outcomes. But together, discrepancies and inconsistencies show.

HOW DISSEQT ASSURES THIS WORKFLOW

HOW DISSEQT ASSURES THIS WORKFLOW

Disseqt sits alongside the agent, evaluating in real time

Disseqt sits alongside the agent, evaluating in real time

The agent generates the chargeback decision

AI summarises the case and recommends an outcome. Disseqt sits alongside, evaluating in real time.

Disseqt scores it for accuracy, bias, and consistency

The evaluation checks the summary against source evidence, decision history, and comparable cases. Each output gets a confidence score.

The reviewer sees the score, with root-cause analysis on every flag

When confidence passes, sign-off takes seconds. When it fails, the reviewer gets a specific reason: missing evidence, outlier pattern, inconsistency with similar cases.

04 The audit trail writes
itself

Compliance generates regulatory reports from the same data. Risk leadership reads live decision quality, not retrospective summaries.

WHAT DOES THIS MEAN FOR THE ENTERPRISE?

WHAT DOES THIS MEAN FOR THE ENTERPRISE?

Chargeback agents that ship with the audit trail behind them

Chargeback agents that ship with the audit trail behind them

Per-decision confidence scoring

Every AI-generated chargeback summary scored before the reviewer sees it. Clear pass or fail, with a reason on every flag.

Population-level bias signals

Patterns no individual reviewer would catch, surfaced before a regulator catches them

Regulator-ready reporting

FCA, CFPB, and scheme-rule reports generated from live decision data. No separate audit assembly.

One pattern, adjacent workflows

The same assurance shape reused across fraud claims, billing disputes, and merchant credit decisions.

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WHO THIS IS FOR

WHO THIS IS FOR

Built for Head of Fraud Risks, Dispute & Chargeback Ops

Built for Head of Fraud Risks, Dispute & Chargeback Ops

Heads of Disputes, Chief Compliance Officers, Heads of Conduct Risk, and operations leaders at FCA-regulated card issuers, CFPB-supervised US banks, and scheme-rule-bound issuers.

Heads of Disputes, Chief Compliance Officers, Heads of Conduct Risk, and operations leaders at FCA-regulated card issuers, CFPB-supervised US banks, and scheme-rule-bound issuers.

Don't see your Use case yet?

Don't see your Use case yet?

Tell us what you are shipping, and we'll show you how to Assure it

Tell us what you are shipping, and we'll show you how to Assure it

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The Assurance Layer for Enterprise AI

© DISSEQT AI LIMITED

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The Assurance Layer for Enterprise AI

© DISSEQT AI LIMITED

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Where Agentic AI

Meets Assurance

© DISSEQT AI LIMITED