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The Marketplace Fraud and Credit Risk Analyst Playbook

$200.00
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What is the The Marketplace Fraud and Credit Risk course about?

Tighten the chargeback queue, defend the credit line, and ship a written decision trail your risk committee will actually read. You are the person on the seat where the dispute queue and the merchant credit queue collide. Every decision you write today is the audit evidence the risk committee reads next month, and right now the trail is mostly free-text notes. Includes.

Why this course?

The fraud and credit analyst seat at a payments-heavy marketplace is one role doing two jobs at once. On the fraud side, the dispute queue keeps growing because issuers are tightening reason-code interpretations, cardholders are leaning on friendly-fraud claims, and the AVS-and-CVV evidence stack you grew up with is no longer enough on its own. On the credit side, merchant capital advances.

What do you take away from the The Marketplace Fraud and Credit Risk course?

A written dispute defence pattern that names the cardholder evidence, the issuer reason-code logic, and the representment narrative for each major dispute type you see. A merchant credit decision template that turns GMV trend, refund velocity, and chargeback ratio into an extend, hold, or claw back call with a written rationale. A one-page risk committee memo format that consolidates the week's high-value.

What you get with this course?

Twelve text-based modules in the Art of Service learning environment. Downloadable representment narrative templates for the five highest-volume dispute reason codes. Downloadable merchant credit decision template covering extend, hold, and claw back paths. Risk committee one-page memo templates for quiet, fraud-spike, and credit-stress weeks. Case-note structure and handover checklist for the queue tooling. Audit-pull readiness pack with documentation, retention, and version-control checklists.

What you will have in hand by Day 1, Week 1, Month 1?

Within 24 hours: account in the learning environment provisioned and the hand-built implementation playbook delivered alongside course access. Week 1 to 4: dispute reason codes, evidence stack, and representment narrative pattern operationalised on the queue. Week 5 to 8: merchant credit signals, early-warning layer, and extend or hold or claw back template in use. Week 9 to 12: risk committee one-pager, case-note.

What does the The Marketplace Fraud and Credit Risk cover on before and after?

Free-text case notes, dispute defence written from memory each time, merchant credit calls made on instinct, and a risk committee that keeps asking the same questions because the written rationale never reaches them. A repeatable written pattern for dispute defence and merchant credit, an early-warning layer that catches credit stress weeks before it shows up in loss numbers, and a one-page memo.

What happens if you do not address this?

The seat keeps absorbing more volume, the case notes stay free-text, and the next audit or acquirer review pulls a sample that exposes the rationale gap. The loss numbers and the credit book get judged on the written trail, not on what the analyst remembers.

Who it is for?

A fraud and credit risk analyst at a marketplace or payments platform who handles both dispute defence and merchant credit decisions on the same seat. Comfortable with case management tools, dispute reason codes, AVS and CVV evidence, chargeback representment cycles, and merchant-level GMV and refund analytics. Wants a written, repeatable decision pattern they can defend to a risk committee, an external auditor.

Closely related courses: The Marketplace Credit Risk and Fraud Analyst Playbook, Credit Card Fraud Toolkit, Credit Card Fraud Prevention Toolkit, Credit Fraud Risk Management Playbook.

More answers: what you get with every course, refund policy, all help answers.

A focused course, tailored for you

The Marketplace Fraud and Credit Risk Analyst Playbook

Tighten the chargeback queue, defend the credit line, and ship a written decision trail your risk committee will actually read.

You are the person on the seat where the dispute queue and the merchant credit queue collide. Every decision you write today is the audit evidence the risk committee reads next month, and right now the trail is mostly free-text notes.

$199 one-time
Tailored to your situation. Access within 24 hours. 30-day money-back.

Includes a hand-built implementation playbook delivered alongside course access, generated for your specific situation.

Why this course

The fraud and credit analyst seat at a payments-heavy marketplace is one role doing two jobs at once. On the fraud side, the dispute queue keeps growing because issuers are tightening reason-code interpretations, cardholders are leaning on friendly-fraud claims, and the AVS-and-CVV evidence stack you grew up with is no longer enough on its own. On the credit side, merchant capital advances, working-capital lines, and revenue-share repayments need decisions about extend, hold, or claw back, and the triggers come from GMV trend lines, refund velocity, and chargeback ratios that move week to week. Both queues need the same thing: a written rationale that survives a second pair of eyes. Most analysts have inherited a mix of free-text case notes, half-finished templates from a predecessor, and a risk policy document that reads like it was written for a different product. The gap is the working pattern between the raw signals and the page the risk committee actually reads. That is what this course closes.

What you walk away with

  • A written dispute defence pattern that names the cardholder evidence, the issuer reason-code logic, and the representment narrative for each major dispute type you see.
  • A merchant credit decision template that turns GMV trend, refund velocity, and chargeback ratio into an extend, hold, or claw back call with a written rationale.
  • A one-page risk committee memo format that consolidates the week's high-value dispute and credit decisions into something the committee can read in under five minutes.
  • A case-note structure for the queue tooling that another analyst can pick up mid-shift without losing context.
  • A trigger map that distinguishes signal from noise across velocity, geo, device, and refund anomalies so the queue prioritises the cases that actually move loss numbers.

The 12 modules

Module 1. The Two Queues on One Seat
Maps the working pattern of a fraud and credit risk analyst who handles dispute defence and merchant credit decisions in parallel. Names the eight recurring case types across both queues, the time pressure on each, and where the queues feed each other when a merchant on capital advance starts producing chargebacks. Sets up the decision-trail mindset the rest of the course operationalises.
Module 2. Dispute Reason Codes and What They Really Mean Now
Walks through the dispute reason codes you actually see at volume, what each issuer is testing when it cites them, and how the interpretation has tightened recently. Includes a cross-network map across Visa, Mastercard, Amex, and Discover so the same merchant case maps to a consistent representment posture regardless of which network the issuer used.
Module 3. Cardholder Evidence Versus Issuer Logic
Breaks the evidence stack into the four buckets an issuer's adjudicator weighs: identity match, delivery proof, prior order pattern, and dispute history. Shows how to build each bucket from the order, fulfilment, account, and dispute systems, and which bucket carries the most weight per reason code. Includes a worked example for digital goods, physical goods, and recurring-billing disputes.
Module 4. Writing a Representment Narrative That Survives
The dispute defence pattern as a written document. Three-paragraph structure: facts of the order, evidence of authorisation, response to the specific reason code. Includes the language patterns that pass through issuer adjudication and the ones that get the case rejected on first read. Worked narratives for the five highest-volume dispute types on a marketplace.
Module 5. Friendly Fraud and the Cardholder-Claims-Authorised Case
The hardest case in the queue. Covers the cardholder-versus-account-holder distinction, the IP-and-device-and-account-history triangulation, and the language that makes the friendly-fraud argument without naming it. Includes a decision tree for when to fight, when to refund and block, and when to escalate to the issuer relations team.
Module 6. Merchant GMV Trend as a Credit Signal
Turns merchant-level GMV into a credit decision input. Defines the trend windows that matter, the seasonality adjustments to apply, and the trigger levels that warrant an underwriting touch. Distinguishes a real GMV decline that signals credit deterioration from a category-wide softness that does not. Worked merchant examples across high-velocity, mid-tier, and capital-advance accounts.
Module 7. Refund Velocity, Chargeback Ratio, and the Early Warning Layer
Operationalises the early-warning layer for merchant credit. Names the refund-velocity, chargeback-ratio, and dispute-mix thresholds that historically precede a credit event. Includes how to weight a sudden refund spike against a slow chargeback drift, and the action playbook for each combination. The point is to get the call right before the merchant goes into stress, not after.
Module 8. Extend, Hold, Claw Back: The Merchant Credit Decision Pattern
The credit-side equivalent of Module 4. A written decision template for capital advance, working capital line, and revenue-share repayment situations. Each section has a recommendation field, a rationale tied to the signals from Modules 6 and 7, a recovery posture if the call is hold or claw back, and the merchant communication line that goes out next.
Module 9. The Risk Committee One-Pager
Consolidates the week's high-value decisions into a one-page memo the committee reads in under five minutes. Structure: top dispute defence outcomes with loss prevented, top merchant credit decisions with exposure changed, two trend callouts worth their attention, and one ask. Worked one-pagers for a quiet week, a fraud-spike week, and a credit-stress week.
Module 10. Case Notes a Second Analyst Can Pick Up
Fixes the most common failure mode in the queue: a case that gets reassigned mid-shift and the next analyst cannot tell what was decided or why. Defines a five-field case-note structure for both dispute and credit queues, the language conventions, and the handover pattern at end of shift. Includes how to retrofit this onto an existing queue without breaking the tooling.
Module 11. Audit Trail and External Review Readiness
What the auditor, the regulator, and the acquirer actually look for when they pull a sample of your decisions. Covers the documentation standards for dispute representment files and merchant credit files, the retention windows, and the version control on the underlying policy. The output is a sample-pull pack you could hand over tomorrow without scrambling.
Module 12. Twelve-Week Build for the Analyst Seat
Sequenced rollout of the patterns from Modules 1 through 11 onto your own seat over twelve weeks. Week-by-week deliverables, what to tackle first if you only have one hour a week, and how to bring a peer analyst along so the patterns survive when the seat changes hands. Closes with the metric set worth tracking to prove the patterns are working.

How this addresses your situation

Specific modules that map to what you said you are dealing with.

If the chargeback queue keeps eating the afternoon: Modules 2 through 5 give the representment pattern.
If the merchant capital advance book is producing surprises: Modules 6 through 8 give the early-warning and decision pattern.
If the risk committee keeps asking the same questions: Modules 9 through 11 give the written memo and audit-trail layer.
If the seat is about to change hands or you are picking it up fresh: Modules 1, 10, and 12 give the handover and ramp pattern.

What you get with this course

  • Twelve text-based modules in the Art of Service learning environment.
  • Downloadable representment narrative templates for the five highest-volume dispute reason codes.
  • Downloadable merchant credit decision template covering extend, hold, and claw back paths.
  • Risk committee one-page memo templates for quiet, fraud-spike, and credit-stress weeks.
  • Case-note structure and handover checklist for the queue tooling.
  • Audit-pull readiness pack with documentation, retention, and version-control checklists.
  • Hand-built implementation playbook tailored to the analyst seat, delivered alongside course access.
  • Thirty-day money-back if the patterns do not fit the seat.

What you will have in hand by Day 1, Week 1, Month 1

Within 24 hours: account in the learning environment provisioned and the hand-built implementation playbook delivered alongside course access.

Week 1 to 4: dispute reason codes, evidence stack, and representment narrative pattern operationalised on the queue.

Week 5 to 8: merchant credit signals, early-warning layer, and extend or hold or claw back template in use.

Week 9 to 12: risk committee one-pager, case-note structure, audit-pull pack, and twelve-week rollout closed out.

Before and after

Before

Free-text case notes, dispute defence written from memory each time, merchant credit calls made on instinct, and a risk committee that keeps asking the same questions because the written rationale never reaches them.

After

A repeatable written pattern for dispute defence and merchant credit, an early-warning layer that catches credit stress weeks before it shows up in loss numbers, and a one-page memo that closes the loop with the risk committee on every high-value decision.

What happens if you do not address this

The seat keeps absorbing more volume, the case notes stay free-text, and the next audit or acquirer review pulls a sample that exposes the rationale gap. The loss numbers and the credit book get judged on the written trail, not on what the analyst remembers.

Who it is for

A fraud and credit risk analyst at a marketplace or payments platform who handles both dispute defence and merchant credit decisions on the same seat. Comfortable with case management tools, dispute reason codes, AVS and CVV evidence, chargeback representment cycles, and merchant-level GMV and refund analytics. Wants a written, repeatable decision pattern they can defend to a risk committee, an external auditor, and the next analyst who takes the seat.

Who this is NOT for. Not for fraud strategy leads building model-risk frameworks from scratch, not for underwriters who only see the credit side and never touch disputes, and not for general operations analysts who do not own a dispute queue or a merchant credit decision in their week.

How it arrives

Text-based course in the Art of Service learning environment, plus downloadable templates and worked examples for every module, plus the hand-built implementation playbook delivered alongside course access.

Time investment. Around three hours per module, twelve modules over twelve weeks, plus the templates and worked examples used in the actual queue. Designed to absorb into the seat, not to sit alongside it.

Why $199 is the right number

Vendor playbooks from dispute-management tools cover the representment side but not the merchant credit side, and they assume their own tooling. Underwriting courses cover the credit side but not the dispute queue. Free conference talks give isolated tactics, not a written decision pattern for the seat. The gap this course closes is the working pattern across both queues on one analyst's day.

FAQ

Is this a tooling course?
No. It is the written decision pattern that sits above whatever case management, dispute, and merchant analytics tooling the seat already uses. The templates are tool-agnostic.
Does it cover the model-risk side of fraud strategy?
No. This is the analyst-seat course. It assumes the rule engine and any models in production are already running, and focuses on the queue decisions and the written rationale around them.
What if my seat is mostly dispute defence and only occasionally credit?
Modules 2 through 5 and 9 through 11 carry most of the weight for a dispute-heavy seat. The credit modules are still worth reading because the merchant credit stress signals often surface in the dispute queue first.
Will the implementation playbook be specific to my seat?
Yes. The playbook is hand-built per buyer once the course is purchased, based on the queue mix, the tooling, and the risk committee cadence specific to that seat.
How does the course actually deliver?
Written modules in the Art of Service learning environment, downloadable templates and worked examples for every module, and the hand-built implementation playbook delivered alongside course access.

30-day money-back guarantee. If after a week of working through the materials this is not what you needed, reply to the receipt email and a full refund is processed. No questions, no forms.

Within 24 hours your account in the learning environment is provisioned and the tailored implementation playbook is delivered alongside it.

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