Comprehensive fraud, risk, & compliance management solutions

Get peace of mind with compliant ops and happy customers.

Expertise in banking operations outsourcing

We manage the complex administrative and regulatory requirements of Fraud, Risk, and Compliance outsourcing, from identity verifications to dispute resolutions. With our expertise, you reduce risks, you minimize unnecessary losses, and customers navigate fraud claims with less effort.

All our staff are ahead of the curve with BPO services built on specialized training for compliance, data security, and financial services. Our agents manage complex operations and give customers peace of mind when dealing with unauthorized transactions.

Dispute resolution and chargeback management

We train staff to handle sensitive tasks with empathy to transform negative situations into positive customer experiences. Refunding is a complicated and financially risky process that requires expert management—especially when seasonal volume surges such as during holiday shopping, tax time, and the back-to-school period add to the pressure. So here’s how we help:

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Subject matter experts on the executive team and on operations. Executives invited to present at closed-door session of FDIC examiners.

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Comprehensive quality assurance data delivered to operations for immediate coaching

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Automated banking operations workflows built for dispute and chargeback management optimize efficiency and improve compliance

Fraud mitigation and investigation services

Our specially trained team can work with your fraud-prevention technology tools, including machine learning-based Sift Science, to help protect your card program or digital wallet. Our fraud investigations include:

  • Pattern recognition
  • Blocking or unblocking accounts
  • Outbound calls to verify transactions
Automation Banking Ops


of Risk Team Leads have 2+ years experience


Chargeback win rate


Compliance rate

Your banking back office support

Regulatory remediation

Manual identity verification

Client due diligence

Negative balance management

We’re a trusted partner for audits and regulatory consent orders that require speedy, thorough, and compliant resolution.

  • Auditing past error resolution claims to determine if mistakes were made
  • Overturning decisions when claims were processed incorrectly
  • Issuing credits to cardholders as applicable
  • Managing cardholder correspondence
Approve more customers faster while avoiding CX-killing false positives.

  • Manual review of consumer-provided identification documents
  • Manual review of OFAC and other watchlist potential matches of “hits” identified by your OFAC or watchlist screening vendors
  • Investigation of each potential match to determine if the “hit” is a false or true positive

Add more partners with speed, confidence, and accuracy.

  • Request necessary onboarding and due diligence documentation for new partners
  • Review the collected documentation and consult additional sources as needed to confirm that all documentation and information is accurate and meets specified requirements
  • Perform additional reviews such as website conformity checks and enhanced due diligence

We have a track record of success investigating and determining recovery options for customer accounts with negative balances. 

  • Manage force-post chargebacks
  • Reconcile accounts when funds are recovered
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Madeline Eckhart
Senior BPO Manager

“As a leading innovator in the financial services industry, we sought a CX and risk operations partner capable of meeting the demands of our rapid business growth. Ubiquity has delivered, adjusting to evolving needs with flexibility and speed.”

Scalable and compliant back-office support

Discover how Ubiquity helped one fintech unicorn revamp their dispute and chargeback operations to drive KPIs and scalability amid volume surge and pandemic.