Cateno Iris: Banking reconciliation system that optimized the dispute and chargeback case handling process
IT / Technology / Financial / Fintech
"Manual management and chargeback triage have always been a critical bottleneck, consuming precious team time due to the lack of centralized visibility of occurrences. The development of the Cateno Iris system by Zappts completely changed this scenario."
Client
Client Challenge
The client faced a scenario of operational inefficiency in chargeback and dispute management, critical processes that directly impacted cash flow. The operation lacked a centralized view, making it difficult to track the status of occurrences in an agile and secure manner. The great challenge, therefore, was to develop and integrate a robust banking reconciliation system that would replace manual triage with an optimized process, ensuring data governance, real-time visibility, and complete management of the entire lifecycle of financial occurrences.
Zappts' Role
Creation of the banking reconciliation system to streamline the handling of dispute cases. Real-time management of open, pending, and in-progress cases. The system enabled disputes to be resolved before goods shipment, greatly facilitating the chargeback process.
Results
The system implementation revolutionized the client's backoffice operation, transforming a reactive flow into a proactive risk mitigation pipeline. The major milestone of the project was enabling dispute resolution even before goods shipment, which avoided concrete financial losses and significantly streamlined the complex chargeback process. The client gained autonomy with the new real-time management dashboard, which centralized and categorized all cases (open, pending, and in-progress) in a single panel, reducing manual team effort and proving, in practice, a high gain in operational efficiency.
About the company
Cateno is a joint venture between Banco do Brasil and Cielo, with BB holding 30% and Cielo 70%. The company became responsible for the technological management activities of post-paid payment accounts, debit purchase functionality, and processing of thousands of Ourocard credit card transactions. It was conceived in November 2014 and created in February 2015 with the goal of bringing Banco do Brasil technological advances and innovations, agility, corporate efficiency, and market updates focused on payment methods.
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