About Us

PartnershipChargebackOps is passionate about helping merchants level the playing field. While consumer credit card protections provide an unparalleled privilege, the fact is 86% of today's chargebacks are the result of unfriendly and abusive behavior. Our analysts care deeply about our clients, helping them not only manage chargebacks, but will spend the time necessary to eliminate many of the chargebacks you are receiving today.

Our leadership team has the perfect balance between business and technology expertise. We have witnessed first-hand the damage caused by chargeback mismanagement and we too have seen the power of a well managed enterprise. We use a rules-based technology to help reduce most of the mundane and manual business processes necessary for timely responses. This patented technology provides our clients with higher win-back rates, better efficiency, and fewer mistakes.


The Team

Steve Fulling
Founder and Chief Executive Officer
Steve Fulling

Steve Fulling brings more than 20 years experience building and leading technology companies and teams. Prior to ChargebackOps, he was the Founder and CEO of Kynetx, an Internet-of-Things provider of Personal Cloud services. Before Kynetx, Steve built and deployed Sento's customer service technology solutions for Fortune-500 clients like McAfee, Intuit, and Overstock. Steve was the Founder and Executive Officer of First Data Corp funded iMall, Inc. which was sold to Excite@Home in 1999 for $450M. Steve is a graduate of the University of California, Davis with a BS degree in Computer Science.

Mike Williams
Chief Operating Officer
Mike Williams

Mike Williams is a seasoned executive and a serial entrepreneur. Mike was the CEO of World Wide Payment Solutions, a payment processing company serving both offline and higher-risk online merchants. As Chief Operating Officer of Sento Corp, Mike helped grow this public, International BPO company from $10M to over $60M in annual revenue. From large organizations like Overstock.com, McAfee and Intuit to small, single location retail stores, Mike's experience and operational expertise allow him to dissect and improve any process, organization and business he works with.

Chris Ballenger
Director of Client Operations
Chris Ballenger

Chris Ballenger has over 10 years experience helping merchants with chargeback and fraud prevention strategies. He built and managed the chargeback management service for CyberSource, the Visa-backed payment provider. Chris has helped Fortune-500 companies regain lost revenue through the use of data-driven chargeback prevention strategies. His experience with First Data, Chase Bank, PaymentTech, Global Payments, and Vantiv give Chris a unique understanding with today's CNP risks. Prior to CyberSource, Chris worked for online retailer Overstock.com in customer service management. Chris is a graduate of Northern Michigan University with a BS degree in Communications

David Hunt
Board Advisor — Legal
David Hunt

David S. Hunt, Esq., has been involved in creating, financing and growing development stage enterprises in a variety of industries since the 1990's. Mr. Hunt has participated as a founder, investor, advisor or legal counsel, for numerous public offerings, venture funds, hundreds of millions of dollars in private equity and debt placements, private-to-public mergers, PIPE transactions, reverse-mergers and various business development activities. Mr. Hunt has been closely involved with the founding, development and/or reorganization of dozens of companies, including companies later purchased by large private equity groups and public issuers now trading on national stock exchanges.

Phil Windley
Board Advisor — Technology
Phillip Windley

Phil Windley is an Enterprise Architect in the Office of the CIO at Brigham Young University. He is the Founder and CTO of Kynetx, the company behind the open-source connected-car product, Fuse. Phil spent two years as the CIO for the State of Utah, serving on Governor Mike Leavitt's Cabinet. Before entering public service, Phil was Vice President for Product Development and Operations at Excite@Home. He was the Founder and CTO of iMALL, Inc. an early creator of electronic commerce tools. Phil received his Ph.D. in Computer Science from University of California, Davis in 1990.