Sold by: HCLTech
Chargeback Bank Validation Agent is an Amazon Bedrock-native agentic AI solution that autonomously manages chargeback dispute validation across customer validation and final adjudication. This AI powered Banker Assist Agent streamlines chargeback resolution by reducing manual effort, improving accuracy, and accelerating decision timelines for banking operations teams.
Overview
Global chargeback volumes cost financial institutions an estimated $25B annually. Bank dispute analysts spend significant time manually validating transactions, reviewing customer documents, and coordinating with merchants, delaying dispute resolution. Chargeback DisputeGuard Bank Validation Agent eliminates this bottleneck using an Amazon Bedrock-native orchestrator agent that autonomously performs end-to-end bank-side validation.
What the Agent Does?
The Bank Validation Agent intelligently orchestrates specialized sub-agents to:
Retrieve dispute details, transaction records, account information, and customer documents.
Perform 15+ automated validation checks against bank transaction and account records.
Extract and cross-validate document entities (amounts, dates, merchant names, account numbers) across databases and submitted evidence.
Detect discrepancies across dispute data, bank records, and documents.
Recommend whether to return the dispute to the customer or forward it to the merchant with supporting rationale.
Consolidate customer, bank, and merchant evidence to deliver a final AI-assisted dispute decision.
Trigger notifications to the appropriate party.
Automatically redact sensitive data and generate a complete audit trail for compliance.
Business Benefits
80%+ reduction in bank-side validation time.
15+ automated validation checks replacing manual verification.
Higher analyst productivity by eliminating repetitive validation tasks.
Improved accuracy through multi-dimensional discrepancy detection.
Faster dispute resolution and improved customer experience.
PCI-DSS and GDPR compliance built into the solution.
Complete auditability of every validation step.
AWS Architecture
The solution is built entirely on AWS-native services:
Amazon Bedrock for agent orchestration, LLMs, and intelligent decision-making. Amazon Textract for document extraction.
Amazon API Gateway, AWS Lambda, and Amazon SQS for orchestration and event-driven processing.
Amazon S3 for document storage and Amazon DynamoDB for structured dispute data.
Amazon ECS with AWS Fargate hosts the React-based user interface, providing a scalable and resilient deployment platform.
Security & Compliance
Designed for financial-grade security:
Amazon Bedrock Guardrails automatically detect and redact PII.
Grounded AI responses ensure recommendations are based only on verified data.
Built-in content filtering prevents unsafe or biased outputs.
Customer data remains within the customer's AWS environment.
Every agent action and validation step is logged through AWS CloudTrail and the dispute management platform for complete auditability.
Highlights
- Automates the entire bank-side chargeback workflow — from transaction retrieval and document analysis to automated cross-validation checks — eliminating repetitive manual tasks, reducing processing time, and freeing dispute analysts to focus on high-value adjudication decisions rather than low-value data coordination.
- Delivers both an initial recommendation and a final dispute resolution decision by consolidating evidence from the customer, bank, and merchant. Surfaces discrepancies across three validation dimensions with full rationale, ensuring every decision is transparent, consistent, and grounded in verified data.
- Built to meet GDPR and PCI-DSS requirements out of the box. Automatically detects and redacts sensitive customer and transaction data, while logging every validation step end-to-end. Delivers a fully traceable, audit-ready package that satisfies regulatory obligations without additional manual compliance overhead.
Details
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Deployed on AWS
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