Our webinars bring together industry experts and practical know-how to help issuers tackle their most pressing challenges. Browse the full library to watch on-demand, revisit key discussions, and find ideas to strengthen your operations.

Webinars

From keeping up with shifting rules to managing resource-heavy dispute processes, issuers face a range of obstacles. In this session, our experts share first-hand experiences, proven strategies, and answers to the questions you might not even know to ask. Whether you’re looking to improve internal processes or get better results from your dispute operations, you’ll leave with actionable ideas to put into practice.

Fraud recovery and dispute management can feel like a constant uphill climb. In this webinar, we bring clarity to the biggest challenges issuers face and offer practical ways to overcome them.

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The biggest challenges in fraud recovery and dispute management — answered

See how leading card issuers leveraged Rivero's solutions to automate scheme compliance and dispute management. Customer success stories from banks and fintechs that have simplified their payment operations.

Success Stories

One of the UK's leading independent omnichannel payments providers, DNA Payments is built on innovation. But as they grew, managing scheme compliance manually was causing issues and they looked for a more efficient process that encourages cross-collaboration.

“We were managing card scheme compliance bulletins manually – excel sheets, emails, meetings – everything was fragmented,” 

recalls Janannee Harroo, Director of Risk & Compliance at DNA Payments. 

“Tracking updates was a challenge, and staying compliant felt like a constant uphill battle.”

Having spent nearly a decade in the payments industry, Janannee knew firsthand the complexities of scheme compliance, and how resource-intensive it can be. When she joined DNA Payments, the organisation was at an early stage of its acquiring journey, having just received its scheme license. Bulletins needed to be reviewed, assigned and actioned across teams, but without a structured process, the team was getting pulled in too many directions.

Hire more people to track compliance manually or find a smarter solution? For Janannee, the choice was obvious.

"As a fintech, technology is in our DNA. It was a no-brainer to seek a solution that could simplify our processes, provide an audit trail, and free up valuable resources."

Enters Kajo, Rivero's scheme compliance and payment network updates management solution. At the time, both DNA Payments and Kajo were in early growth phases, making it a natural partnership.

 "Kajo evolved alongside us, continuously improving based on real-world usage and feedback."

With Kajo, tracking scheme updates stopped being a manual hassle. Kajo provided a structured, centralised system for accessing and managing scheme bulletins, eliminating the need to rely on spreadsheets and scattered email threads. Teams can filter updates, assign tasks and track progress, all in the same place.

The transition was smooth, thanks to Kajo's user-friendly interface, and was quickly adopted across teams.

Automation, audit trails, and a single source of truth

The impact of Kajo was immediate. No more lost emails, complicated spreadsheets or missed updates. Decision-making became faster, tracking became easier and efforts became more transparent. And with a clear audit trail, demonstrating scheme compliance to regulators became effortless.

"The solution isn’t just about tracking scheme compliance, it provides visibility and structure," says Janannee. "Instead of chasing updates, we have a centralised view of everything in one place."

While Kajo solved the major pain points, adoption and engagement across teams became the next challenge. DNA Payments appointed a dedicated team member to lead engagement, ensuring that employees across departments utilised the platform effectively.  

By acting as a centralised knowledge hub, Kajo also played a key role in spreading payment knowledge across the organisation, helping teams beyond compliance – such as product, fraud, and operations – stay informed about key regulatory updates and scheme requirements. This cross-functional visibility ensures that all departments across the organisation can proactively adapt to changes, avoiding last-minute adjustments, and foestering a culture of awareness and preparedness across the organisation.

"Scheme compliance affects more than just risk teams. It impacts product, fraud, operations, everyone," Janannee explains. "We’re working to integrate Kajo further into our workflows to drive even greater efficiency."

With continued collaboration between DNA Payments and Rivero, new enhancements are on the horizon, including improved data analytics and dashboard functionalities.

More than just the technology itself, Janannee highlights Rivero's exceptional support as a key factor in DNA Payments' ongoing commitment to Kajo.

"The responsiveness of the Rivero team is incredible," 

"Anytime we have a request, we get a prompt and serious response. That level of service is why we continue to invest in this solution."

For other financial institutions struggling with scheme compliance, Janannee’s advice is clear:

"If your challenge is tracking bulletins and ensuring compliance in a structured way, Kajo is the right solution. It has simplified our processes, increased efficiency, and reduced all hassle. The time saved, the clarity gained… it’s a game changer."

As DNA Payments continues to grow, Kajo remains an essential part of its compliance strategy, proving that the right technology can transform even the most complex processes into an easy operation.

From admin to strategy DNA Payments journey to a knowledge-first approach

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From admin to strategy: DNA Payments’ journey to a knowledge-first approach

We are frequently invited as guest speakers on topics related to payments. Here you will find our conversations with payments leaders on scheme compliance, fraud, disputes, and the future of card payments.

Podcasts

We’ve been busy sharing fresh ideas and insights on the future of banking and payments in some amazing podcasts this year. If you missed them, don’t worry, here’s a quick recap!

, we focused on the back-office operations of banks — a vital, often under-appreciated aspect of the financial ecosystem. The conversation emphasised how adopting emerging technologies like AI, automation, and cloud systems can revolutionise this space, improving not just efficiency but also compliance, cost management, and operational agility. 

The takeaway? Back-office operations are no longer just support functions. They are integral to a bank's success and growth. As banks face mounting pressure to stay competitive, embracing digital transformation is no longer optional. It's a strategic necessity.

This episode serves as a powerful reminder that improving internal operations is just as important as enhancing customer-facing services. With the right tools and strategies, banks can drastically increase their agility, adapt to market changes faster, and create a more seamless customer experience. 

 where our CEO Thomas Müller reflected on the evolution of payment solutions. As the payments industry continues to transform with innovations like embedded finance and cross-border payment solutions, Rivero is leading the charge in creating seamless, scalable solutions that benefit both businesses and consumers. 

The future of payments goes beyond just transferring money. It’s about enhancing the customer experience through faster, more secure transactions and creating an ecosystem where payments are embedded seamlessly into everyday experiences. His insights underscored the importance of adaptability and innovation, especially as the payment space becomes more fragmented and complex. 

Both episodes offer a valuable glimpse into the direction of financial services in 2025. If you're keeping up to date, these conversations are packed with actionable insights and thought leadership on how technology is reshaping both banking operations and payments.

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From back-office to payments: Key insights from our latest podcasts

PostFinance is a diversified, innovation-driven financial service provider that offers its 2.5 million customers modern solutions for managing their finances. As a driver of innovation, PostFinance helps people and companies in Switzerland tackle the challenges of the digital world. With around 104 billion francs in customer assets and more than 1.3 billion payment transactions a year, PostFinance is one of Switzerland’s leading financial institutions. 

We spoke with Daniele Angioletti and Ivana Paunovic, Chargeback analysts at PostFinance, about the current state of fraud and disputes and how Rivero helps improve customer experience.

Boost efficiency with greater customer-centricity

When the PostFinance Card combined with Debit Mastercard® was introduced, more and more customers started using their cards actively. Naturally, chargeback cases began to arise, and PostFinance had to go through quite a tedious process, capturing each transaction individually while their backlog started to pile up.

To deliver on its customer experience goals, PostFinance looked for a more efficient way to process chargebacks. It identified Rivero’s Amiko solution as the vital tool to streamline their dispute processes and effortlessly reduce fraud losses. 

"It was crucial for us that the new tool would allow us to process several transactions simultaneously while also providing a clear layout to work with,"

 Ivana recalled when asked about their selection process. 

This is clear when Daniele lays bare his time-saving calculations. "With Amiko, I can now process disputes at five times the previous rate, achieving nearly a 400% increase in efficiency. I can now process 20-30 disputes a day, depending on the size, whereas this was only 5 or 6 before." 

Scaling dispute process management through fast onboarding

Due to PostFinance’s previous legacy tool requiring a labour and time-intensive process, they were a bit anxious about implementing a new tool. 

"During our meetings, many uncertainties were clarified,"

"We appreciated the good collaboration with the Amiko experts, which made using Amiko efficient from the beginning,"

"Amiko is very user-friendly, and I had little trouble using the tool. Compared to the previous tool we used, the introduction to Amiko was much easier,"

"The layout, the personalised functionalities… It all just clicked for me. And it shows through the numbers. Before, it used to take about 30 minutes to record 15 transactions correctly, but with Amiko, it now only takes me 5!" 

Amiko’s ability to put all transactions related to a specific cardholder claim or fraud incident into one case is a game-changer for PostFinance.

Through constant check-ins and guidance in our partnership, we achieved the fastest time to value for PostFinance. 

After implementing Amiko, PostFinance is convinced that it was the missing link in their dispute management process, thanks to its responsive support and modern suite of features, including bulk uploads and automated pre-dispute and fraud reporting. 

Part of owning the customer relationship is giving cardholders the answers they need about their dispute claims. PostFinance is exploring the option of using the Virtual Agent as part of the Amiko solution to stay as dynamic and responsive as fraud and disputes themselves. The domain-specific chatbot uses card network rules while providing customer-requested transaction details on demand to help prevent first-party fraud claims.

"We greatly valued our collaboration with Rivero and were always amazed to receive very professional and detailed answers," Daniele mentioned.

"To sum up, we would recommend Amiko because of its clear layout and the efficiency gain," Ivana concluded.

How PostFinance boosted efficiency by 500% with digital dispute management SaaS solution

PostFinance on the efficiency gain to their fraud and dispute management

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The latest Rivero's product updates, press releases, and company milestones shaping the future of payment scheme compliance and dispute management.

News

We are pleased to announce our partnership with Advanzia Bank S.A. to enhance fraud recovery and claims resolution.

, Advanzia Bank aims to optimise its claims handling process to boost operational efficiency, reduce manual workloads and elevate the customer experience.

With Amiko’s intelligent virtual agent and self-service chatbot, Advanzia Bank will streamline front-office operations while ensuring a smooth and efficient resolution process for customer claims and disputes. This collaboration marks a significant step in automation, efficiency and customer-focused claims management. 

We are proud to support Advanzia Bank in driving innovation in the industry.

We are excited to announce a strategic partnership between Amiko and Advanzia Bank S.A., focused on elevating fraud recovery and claims resolution. By integrating Amiko’s intelligent virtual agent and self-service chatbot, Advanzia aims to streamline its front-office operations, significantly reduce manual effort, and deliver a faster, more efficient customer experience. 

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Rivero partners with Advanzia Bank to transform fraud recovery and claims resolution

German version available further down below.

Rivero, the SaaS software provider for dispute management and compliance in payment transactions, is collaborating with SIX, a leading provider of financial market infrastructure in Europe, to provide the SaaS solution Amiko for fraud recovery and dispute management.

 – SaaS provider Rivero today announced that it will provide its fraud recovery and dispute management platform, Amiko, to SIX and its partner banks. This collaboration will enable SIX to optimize its chargeback process by introducing a range of self-service features for its partners and their cardholders.

With Amiko, SIX will be able to increase operational efficiency in chargeback resolution and provide a better customer experience for its partner banks. Rivero's Amiko technology will be used for fraud and dispute cases for debit cards (for more than 100 Swiss banks) issued and/or processed by SIX from 2026. This collaboration will significantly expand Rivero's reach.

As one of the leading debit card processing organizations in Switzerland, SIX is responsible for handling incoming fraud and dispute cases for partner banks. Rivero's Amiko software solution will help SIX manage all incoming disputes. By streamlining the different parts of the fraud and dispute process, media disruptions will be reduced and chargeback agents and analysts will be able to work on cases more efficiently.

Thomas Müller, CEO of Rivero, comments: “By working with a payment service provider as significant as SIX, Rivero can become the leading solution provider for securing the majority of debit cards in Switzerland. Our solution, Amiko, will support SIX in automating the chargeback process.”

He adds: “This cooperation is not only strategic, but also based on the common understanding that we need to work together to get the best out of our card and payment services. By using Amiko, SIX will benefit from one of the most modern, efficient and self-sufficient all-in-one SaaS payment solutions”.

Stefan Giger, Head Products & Services, Banking Services at SIX, comments on the collaboration: "The integration of Amiko will help us to support our clients in fraud investigation and dispute resolution. We know how stressful these situations can be for the cardholders of our partner banks. A quick and easy approach helps to resolve claims in an orderly and timely manner".

For more information about Rivero and their products Kajo and Amiko, please visit their website: 

Established in 2019 and headquartered in Switzerland, Rivero is a fast-growing European company and a Visa Fintech Partner specialising in streamlining payment operations within the highly regulated payments industry. It focuses on offering unique SaaS solutions for dispute management, and payment scheme compliance. Rivero’s flagship products, Kajo and Amiko, set it apart in the industry. Kajo is a solution for payment scheme compliance, minimising risks, and efforts for payment network licensees. Amiko revolutionises fraud recovery and dispute management processes by digitalising them, thus aiding issuing banks in efficient management and enhancing consumer protection.

Schweizer Fintech Rivero kooperiert mit führender Anbieterin von Finanzmarktinfrastruktur SIX

Rivero, der SaaS-Softwareanbieter für Dispute Management und Compliance im Zahlungsverkehr, kooperiert mit SIX, einer führenden Anbieterin von Finanzmarktinfrastruktur in Europa, um die SaaS-Lösung Amiko für Fraud Recovery und Dispute Management bereitzustellen.

 – Der SaaS-Anbieter Rivero gab heute bekannt, dass er seine Fraud Recovery- und Dispute Management-Plattform Amiko SIX und ihren Partnerbanken zur Verfügung stellen wird. Diese Zusammenarbeit wird es SIX ermöglichen, ihren Chargeback-Prozess durch die Einführung einer Reihe von Self-Service-Funktionen für ihre Partner und deren Karteninhaber zu optimieren.

Mit Amiko wird SIX in der Lage sein, ihre operative Effizienz bei der Lösung von Chargebacks zu steigern und ihren Partnerbanken hierzu ein besseres Kundenerlebnis zu bieten. Die Rivero-Technologie von Amiko wird ab 2026 bei Betrugs- und Streitfällen für Debitkarten (für mehr als 100 Schweizer Banken) zum Einsatz kommen, die von SIX ausgegeben und/oder verarbeitet werden. Diese Zusammenarbeit wird die Abdeckung von Rivero erheblich erweitern.

Als eines der führenden Debitkarten-Processing-Unternehmen in der Schweiz ist SIX für die Bearbeitung von eingehenden Betrugs- und Streitfällen für Partnerbanken verantwortlich. Die Softwarelösung Amiko von Rivero wird SIX dabei unterstützen, alle eingehenden Streitfälle zu verwalten. Durch die Straffung der verschiedenen Teile des Betrugs- und Streitfall-Prozesses werden Medienbrüche reduziert und die Chargeback-Agenten und Analysten können effizienter an den Fällen arbeiten.

Thomas Müller, CEO von Rivero, kommentiert: „Durch die Zusammenarbeit mit einer so bedeutenden Zahlungsdienstleisterin wie SIX kann Rivero zum führenden Lösungsanbieter für die Sicherung der Mehrheit der Debitkarten in der Schweiz werden. Unsere Lösung, Amiko, wird SIX dabei unterstützen, den Chargeback-Prozess zu automatisieren.“

Er fügt hinzu: „Diese Zusammenarbeit ist nicht nur strategischer Natur, sondern basiert auch auf dem gemeinsamen Verständnis, dass wir zusammenarbeiten müssen, um das Beste aus unseren Karten- und Zahlungsdienstleistungen herauszuholen. Durch den Einsatz von Amiko wird SIX von der Leistungsfähigkeit einer der modernsten, effizientesten und autarksten All-in-One-SaaS-Zahlungslösungen profitieren.“

Stefan Giger, Head Products & Services, Banking Services bei SIX, kommentiert die Zusammenarbeit wie folgt: „Die Integration von Amiko wird uns dabei unterstützen, unseren Kunden bei der Betrugsaufklärung und der Beilegung von Streitfällen behilflich zu sein. Wir wissen, wie belastend diese Situationen für die Karteninhaberinnen und -inhaber unserer Partnerbanken sein können. Ein schneller und einfacher Ansatz trägt dazu bei, Ansprüche geordnet und frühzeitig zu klären.“

Weitere Informationen zu Rivero und ihren Produkte Kajo und Amiko finden Sie auf der Website: 

Rivero, 2019 gegründet und mit Sitz in der Schweiz, ist ein schnell wachsendes europäisches Unternehmen und ein Visa-Fintech-Partner, das sich auf die Optimierung von Zahlungs-Betriebsprozessen innerhalb der stark regulierten Zahlungsbranche spezialisiert hat. Das Unternehmen bietet einzigartige SaaS-Lösungen für Dispute Management und Compliance im Zahlungsverkehr. Die Flaggschiff-Produkte von Rivero, Kajo und Amiko, heben das Unternehmen in der Branche hervor. Kajo ist eine Lösung für die Compliance von Zahlungssystemen, die Risiken und Aufwände für Lizenznehmer von Zahlungsnetzwerken minimiert. Amiko revolutioniert die Prozesse der Fraud Recovery und Dispute Management, indem sie diese digitalisiert und so den ausgebenden Banken bei der effizienten Verwaltung hilft und gleichzeitig den Verbraucherschutz stärkt.

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Swiss Fintech Rivero collaborates with leading financial market infrastructure provider SIX

In-depth guides, eBooks, and industry reports to help payments professionals navigate compliance, disputes, and what's next in card payments. Download and read at your own pace.

Guides & Reports

Every week, payment networks send bulletins to their licensees, with rule changes, technical updates, and new requirements. For banks holding multiple scheme licences, that means dozens of updates per month, each one needing to be reviewed, classified, assigned, and tracked through to action. Miss one and the consequences range from missed deadlines and oversights to operational disruption and and reputational damage.

This is the reality of scheme compliance, and for most banks, it's still managed largely by hand with spreadsheets, email threads, manual reminders, and fragmented processes. It works, in the sense that the work gets done, but it consumes time and headcount that should be spent on higher-value priorities.

 for the teams stuck in that cycle. It's a practical roadmap to what a modern compliance operation looks like, drawing on what we've seen work across European issuers.

Get a practical roadmap for transforming compliance from a reactive obligation into a strategic lever, with guidance on where to automate, what to streamline, and how to free your compliance team to focus on higher-value work.

Learn how to move beyond manual tracking and fragmented processes. This guide explains how to create a compliance workflow that's proactive, efficient, and adaptable, giving you control without adding unnecessary workload.

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Scheme compliance reimagined

Rivero is partnering with Rabobank to streamline payment network compliance.

 Rabobank is able to be the frontrunner in managing payment network compliance and increase its operational efficiency by ensuring all employees stay informed about all relevant scheme compliance requirements from the payment schemes in one place.

Together, we’re paving the way for a modern, more efficient, and reliable scheme compliance process that reduces administrative burden and ultimately reduces costs. 

We’re thrilled to announce that Rivero is partnering with Rabobank to revolutionize how payment network compliance is managed. By leveraging Kajo, Rabobank empowers its teams to stay aligned with all relevant payment scheme requirements in a centralized and efficient way.

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Rivero partners with Rabobank to modernise payment network compliance with Kajo

Fraud and dispute volumes are climbing for one simple reason: people pay differently than they used to. The shift from cash to card, the rise of e-commerce, the spread of BNPL, mobile wallets, and instant payments, each new channel opens a new way for fraud to enter the system, and a new type of dispute for the issuing bank to handle.

For dispute teams, the work itself has also changed. Friendly fraud and first-party claims now outpace traditional criminal fraud in many portfolios. Cardholders expect resolution in days, not weeks. And legacy dispute tools weren't built for these volumes, case types, or customer expectations.

playbook for modernising fraud and dispute management

, made for the dispute leaders, fraud teams, and operations heads navigating this shift. It's a strategic guide drawing on Rivero's work with European issuers, covering both the operational pressures of today and the technologies, including LLMs, that will reshape the work in the years ahead. 

We explore how technology, data, and smarter processes can work together to reduce costs, speed up resolution times, and improve compliance outcomes. Whether you’re making incremental improvements or planning a full system overhaul, this guide will help you focus your efforts where they matter most.

A strategic playbook for issuing banks on modernising fraud and dispute management, covering the rise of friendly fraud, automation, customer experience, and the role of AI in the future of dispute resolution.

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Modernising fraud and dispute management

Simplifying payment operations for banks — scheme compliance, dispute management, fraud recovery and industry trends.