Luca Caranzano

Disputes, decided.

Luca Caranzano works card disputes at Monzo, and builds tools that show their reasoning.

Try the tools ↓
A ledger room at the Post Office Savings Bank, Blythe House, London, 1924: rows of clerks at long desks beneath hanging lamps
A ledger room at the Post Office Savings Bank, Blythe House, 1924 — the queue before it was a queue.

The tools.

Chargeback Triage Advisor

Mastercard reason codes and UK filing windows, turned into a filing recommendation, an evidence checklist and an indicative win probability.

Live tool — enter a case below ↓

Case Input
Evaluating case parameters against Mastercard chargeback rules and UK filing requirements…
Analyst Recommendation

Evidence Checklist
    Win Probability Assessment
    — —
    Key Risk Flags

      Portfolio demonstration only. This interactive tool simulates UK issuer-side chargeback triage for showcase purposes. Outputs are illustrative and based on publicly available Mastercard dispute categories, reason codes, and general UK consumer protection principles — they do not reflect live bank policy, internal procedures, or case-specific legal advice. Do not use this tool to make real filing decisions. Built by Luca Caranzano.

      The Glass Box

      A fraud score usually arrives as a number. This one assembles itself rule by rule — every point accounted for — into approve, monitor, step up or decline.

      Live tool — score a transaction below ↓

      Load a Demo Case
      Transaction Signals
      Assembling the score — every rule and its weight will be shown below…
      Analyst Decision

      Risk Score & Decision Band
      — —
      Assessment confidence: —
      Key Risk Flags
        Regulatory & Model Notes
          ▶ Rule Logic —

          Portfolio demonstration only. This engine illustrates transparent fraud-risk scoring for card payments. Weights and thresholds are illustrative heuristics informed by public concepts — PSD2 Strong Customer Authentication and the RTS transaction-risk-analysis exemption among them — and do not reflect any bank's live models, thresholds or policy. Never use it to make real authorisation or decline decisions. Built by Luca Caranzano.

          A woman operating a Hollerith pantograph punch, punching the 1940 US census population card
          Punching the 1940 US census population card — the card before it was a card.

          About

          Luca Caranzano is a chargeback analyst at Monzo, working high-volume card disputes under Mastercard rules and UK filing windows. Before that, AML operations at NatWest Group; before that, trust and safety casework at Accenture Portugal. He trained as a communication designer — typography, visual systems, process design — and it shows in the method: read the network manual first, design the decision tree before the screen, show every step of the reasoning, then test it against the queue’s worst cases. The two tools above are the working proof. If your team argues about risk, say hello.

          Contact

          Chargeback analyst

          Luca Caranzano
          Luca Caranzano

          Monzo Bank

          UK / EEA

          LinkedIn ↗
          @caranzanoluca ↗

          Say hello