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User Access anchor
In the top right corner of the QFD screen, the agent will see a colored circle with the agent's initials. Clicking on that circle will allow the agent to access their profile. In the bottom right-hand corner of their profile, they can see what team(s) they are a part of in the QFD system. The assigned workgroup(s) will help to ensure that an agent only receives work items aligned to their skills. If you experience an issue with access, please reach out to your manager.
Get Next Work anchor
Urgency Anchor
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Case Roll-Up
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There are various icons to the left of the case steps, which indicate the action that has been taken or the action that needs to be taken to move the claim through each stage. Provided below is a legend for each of those icons.
Any items with the play or red play icon require an agent to take action to complete.
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The Case Roll-Up includes the following stages, which we go into more detail below.
Collect Stage Anchor
The Collect stage houses the information that we captured during claim intake.
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- Dispute Reason – Claim Reason and Type selected at intake.
- Dispute Transactions – The transaction(s) that were originally disputed in the claim.
- Claim and Dispute Details – The original questionnaire was filled out through claim intake. The questionnaire can be updated through the Questionnaire Case Tab.
- Summary – This is the summary screen in intake that shows the correspondence channel and where the first letter was sent to. It also has a list of the disputed transactions.
- Confirmation – This is the last screen displayed through claim intake. It shows the “What happens next” steps provided to the cardholder at the completion of intake.
Enhance Stage Anchor
The Enhance stage is the first point where actions are taken in the back office once the intake process is completed.
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- Initialization – The first step in the back office. Each transaction that was disputed has an individual dispute created under the claim. This process is automated by QFD.
- Authorizations – This step houses the disputed pending transactions, waiting for them to post to the account for further investigation. If after the allotted pend time, the transaction has not posted to the account, the pending transaction will be closed out automatically. This step is automated but may need manual review for any failures.
Assignment: Authorization Review
Role: Technician - Enrichment –The enrichment step is where we reach out to the association to get the dispute transaction details. This step is automated through Visa and MasterCard but may require manual review for other networks.
Assignments: Enrichment or Select Transaction, Enrichment Service Failed, Provide Reference Key
Role: Technician - Documentation – This stage shows if we have any outstanding documentation requirements for the claim. If documents are received, a manual review will be required to confirm they are valid.
Assignment: Review Documents
Role: Technician
Analyze Stage anchor
- Collaboration - The purpose of the collaboration step is to allow for a Verifi or Ethoca check to swiftly resolve the claim. This stage is also used for a manual review for a refund.
Assignments: Check for Merchant Credit (LINK), Merchant Credit Service Failed (LINK)
Role: Technician
Provisional Credit - Research - The research step houses ARIA's investigation if enabled.
- Investigation – The purpose of the provisional credit investigation step is to review the case prior to issuing a credit to the cardholder’s account. This step is used to ensure that cases that require a provisional credit are given the right prioritization. Some programs may choose to give provisional credits automatically and some may not. If the program does not qualify for automation, a manual review would be required by the agent.
Assignment: Provisional Credit Review (LINK)
Role: Specialist
Investigation - The purpose of the investigation step is to add specific topics and information to the Investigation tool under Case Tools. This is typically handled through QFD automation.
Fees - The purpose of the fees step is to allow the agent a chance to review any fees that may need to be refunded as part of the investigation. This step will be automated and only require a manual review for exceptions. If an error is found, regulations require that the issuer must refund any fees that may have been charged to the cardholder's account around the time of the dispute.
Assignment: Review Fee (LINK)
Role: Technician- Interest – The purpose of the interest step is to allow the agent the chance to review an interesting bearing account and refund any interest charges that were caused by the transactions in dispute. This step would display only for claims where this is applicable.
Assignment: Interest Calculation (LINK)
Role: Technician - Disposition - The purpose of the disposition step is for the agent to determine if recovery will be attempted and, if so, what recovery reason code will be used. The agent can choose not to pursue recovery if it is determined that an error did not occur, which would result in a pay/deny decision. There are other actions available (three dots to the right of the assignment button) if more information is needed to complete the case.
Assignments: Disposition Case (LINK), Review Representment (LINK), Process (Review) Chargeback (LINK), Review Chargeback Response, Review Pre-arbitration Response (LINK), Review Arbitration Response (LINK)
Roles: Specialist, Recovery - Responses – The purpose of the responses step is to alert the investigating agent that there is information from the cardholder that needs to be reviewed. This step will require a manual review by the agent.
Assignments: Inbound Communication (LINK), Review Withdrawal Request (LINK), Reopen Review (LINK)
Role: Specialist
Execute Stage Anchor
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- Recovery – The recovery step is used to complete the chargeback process with the financial association. This step will be automated through Visa and Mastercard but will require manual action for other networks.
Assignments: Execute Chargeback (LINK), Execute Case Filing (LINK), Execute Recovery (2nd Chargeback) (LINK), Update Case Filing (LINK)
Role: Recovery - Accounting – The accounting step is used to complete the accounting between QFD and the system of record. This step is automated through QFD.
Assignment: Accounting Exception (LINK)
Role: Specialist - Stop Payment - The stop payment step is used to issue a stop payment on a claim.
Assignment: Execute Stop Payment (LINK)
Role: Technician - Account Maintenance – The account maintenance step is used to complete account updates between QFD and the system of record. The most common example of the task completed here is the block/reissue step for fraud cases.
Assignment: Service Block Reissue Card Failed (LINK)
Role: Technician - Fraud Reporting – The fraud reporting step is used to complete the required fraud reporting prior to completing the chargeback. This step will be automated through Visa and Mastercard but will require manual action for other networks.
Assignment: Fraud Reporting (LINK)
Role: Technician - Notifications – The notifications step is used to show outstanding correspondence tasks. This step will be automated and only require manual action for failures.
Resolve Stage Anchor
Video Walkthroughs Anchor
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