Chargebacks are costing merchants billions and most still don’t have a system built to win them back. In this episode of In Check with Fintech, host Rogier Rouppe van der Voort sits down with Roenen Ben-Ami, Co-Founder and Chief Risk Officer at Justt, to unpack the $180B friendly fraud problem, why first-party misuse is rising, and what it takes to recover revenue at scale without compromising customer experience.   Key topics covered:💸 The $180B blindspot – Why most chargeback losses are preventable, and how merchants are leaving money on the table 🤖 Fighting fraud with dynamic arguments – How Justt tailors evidence responses at scale using automation 📉 Why 90% of chargebacks are mishandled – The operational gap most merchants haven’t solved 🧠 From true fraud to first-party misuse – What makes friendly fraud harder to detect, and why it’s growing fast ⚙️ Scaling without the headcount – How merchants are replacing 15-person chargeback teams with API-based recovery 📊 Regulation, risk, and recovery – How Visa and Mastercard’s changing rules are reshaping chargeback strategy   Roenen shares practical insights from his time at Simplex and Justt, along with lessons in co-founding, team building, and product innovation. Whether you’re a fintech operator, risk leader, or scaling merchant, this episode is a deep dive into the hidden costs and massive upside of getting chargebacks right.   Tune in now to learn how leading fintechs are reclaiming revenue and staying compliant in a changing fraud landscape. 🎧