January 31, 2017: Chargebacks911™, a global risk technologies company and an internationally-renowned leader for risk mitigation, announces the appointment of Tracy Cray as Director of Card Scheme Compliance at Chargebacks911’s new Essex location.

Tracy Cray, former Chargebacks & Disputes Manager for The Royal Bank of Scotland, has led Europe’s most successful chargeback processing division for the majority of her 34-year tenure in the payments industry. She also chaired a number of chargeback and scheme forums, including the European Experts Chargebacks Group.

As an unrivalled expert in the field of chargeback management and risk mitigation, Tracy’s in-depth understanding of card schemes and influential relationships within the industry will serve as the cornerstone of Chargebacks911’s latest venture — services tailored to assist issuers, acquirers and enterprise-level merchants. The service will launch in Q1 in Europe and will be offered to qualified clients, backed by a performance and ROI guarantee.

Tracy says, “When it comes to chargeback management, financial institutions are burdened in many ways — it’s impossible to stay current on constantly-evolving regulations, there is little transparency regarding the processes of other entities, and an inability to maintain compliance becomes a major liability. These hidden issues have continued to accumulate without reprieve.”

According to some reports, internal chargeback-related expenses have climbed by 21% since 2015 and are expected to double in 2017.

“For this reason,” Tracy continues, “the services Chargebacks911 is offering will be a godsend to many, taking the guesswork out of the equation completely with effective results that last. I couldn’t be more pleased to lead this unprecedented industry initiative.”

Monica Eaton-Cardone, co-founder of Chargebacks911, says, “Tracy is undoubtedly the most astute chargeback expert I have met, with an undeniable and persistent approach to positively address the core source of any problem she takes on. Her in-depth understanding of the inner-workings of chargeback management is unmatched, and we’re thrilled to have her join our growing leadership team in the UK.”

Chargebacks911’s new services will include, among other things, personalised consulting and results-oriented strategies to assess current policies and procedures. By identifying oversight, errors, and unrealised opportunities, clients will experience an immediate improvement to their bottom line.

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June 2, 2016: Zapper, a global data insights and mobile payment platform, appointed Jon Birt as its retail sales director. Birt has over 25 years of retail account management experience. He specialises in managing the convenience and symbol group sectors, which over the last few years also included a number of Tier 1 high-street retailers.

Having worked previously for BAT and more recently Payzone and InComm-Europe, Birt joins the Zapper team at what is undoubtedly a very pivotal juncture with both a product and subsequent service which will dramatically enhance the day-to-day operation within this rapidly developing retail sector.

Working alongside Birt will be Jason Cooling, who also has over 25 years retail experience, in both the UK and Ireland, and he joins the team as retail commercial director. Cooling previously worked closely with many famous household names such as; Amazon, Argos, Tesco and Sainsbury, and also has great experience in other sectors including, video gaming and tobacco. Colling will be looking to launch the Zapper solution into the retail sector and create many opportunities for this ubiquitous product.

Cooling comments, “I understand being a retailer requires an extraordinary amount of skill. You have many hats to wear and must know when to wear which in order to be successful. From serving customers and managing employees to stocking new inventory, the job as a retailer is never done and there is always room for improvement. Zapper offers the necessary tools, resources and support retailers need to transform businesses to the future mobile payment age.”

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