In honor of International Women’s Day, I spoke with two colleagues at Chargeflow about their experiences in fintech and the perspectives they bring to building a fast-growing company.

Chen Morag, our VP of HR, shared how she approaches scaling teams while preserving culture. Gabi Kobrin, VP of Sales, offered insight into the misconceptions merchants often have about chargebacks and friendly fraud. I also share my own perspective on the role education and storytelling play in helping merchants better understand disputes and the evolving payments landscape.

Together, these perspectives highlight the people behind Chargeflow’s mission to help merchants navigate one of the most complex challenges in payments: chargebacks and friendly fraud.

Three Perspectives from Across Chargeflow

Chen Morag, VP of HR: Building Teams in a Fast-Growing Company

1. What originally drew you to working in tech and startups?

I’ve always loved building things from scratch and turning ideas into something real. Startups bring together two things that really excite me: technology and creation. I’m drawn to environments where you can make a real impact, move quickly, and see how passion and hard work translate directly into growth. 

“When people truly believe in what they’re building and feel ownership over the mission, startups are where that energy can really thrive.” -Chen Morag, VP of HR

2. Chargeflow has grown quickly. From an HR perspective, what is the biggest challenge when scaling a team in a fast-moving company?

The biggest challenge is scaling while preserving culture. When a company grows quickly, you need to hire great people fast while also making sure they align with the company’s values, collaboration style, and long-term vision. 

For us, that means being thoughtful about who we bring into the team and making sure every new hire strengthens both the culture and the mission we’re building together. 

3. As we recognize International Women’s Day, what advice would you give women looking to build a career in tech or startups today?

Be curious, be confident in your voice, and don’t wait until you feel 100% ready before taking opportunities. The tech industry values people who learn quickly, take initiative, and bring new perspectives. 

Confidence often grows through experience, so the most important step is simply getting started. 

“You don’t have to feel ready to take the next step – growth often happens after you take the leap.” Chen Morag, VP of HR

Gabi Kobrin, VP of Sales: Working Closely with Merchants

1. From your perspective working with merchants, what is the biggest misconception businesses have about chargebacks or friendly fraud?

One of the biggest misconceptions merchants have is that chargebacks are simply the cost of doing business online, something unavoidable that businesses just absorb. 

In reality, a large portion of disputes today are actually friendly fraud, where legitimate purchases are being challenged. Many businesses assume the bank will carefully evaluate the case, but the process is often heavily tilted toward the cardholder. Without the right data and evidence, businesses frequently lose disputes they should have won. 

Another misconception is that fighting chargebacks is too complicated or not worth the effort. When merchants have the right technology and expertise behind them, disputes become far more manageable. 

“Chargebacks aren’t just a cost of doing business online, they’re often recoverable revenue that merchants don’t realize they’re leaving on the table.” -Gabi Kobrin, VP of Sales

2. What makes Chargeflow resonate with merchants compared to other solutions in the market?

What resonates most with merchants is that Chargeflow removes the operational burden that usually comes with managing disputes. 

Most solutions in the market are still tools, meaning merchants are expected to log in, build evidence, and manage the process themselves. For many teams, that quickly becomes time-consuming and frustrating. 

Chargeflow takes a different approach. We built a fully automated, performance-based solution that manages disputes end-to-end, and merchants only pay when revenue is successfully recovered.

That shift allows merchants to focus on running their business while disputes are handled automatically in the background. 

3. As a woman leading sales in fintech, what has your experience been like in the industry?

Fintech and payments have historically been very male-dominated spaces, and in many meetings I’ve found myself being the only woman in the room. 

“Being the only woman in the room never intimidated me, if anything, it motivated me.” Gabi Kobrin, VP of Sales

But that never discouraged me. I come from a strong, female-dominated family and was surrounded by confident women who encouraged leadership and independence. As a mother of three daughters, this topic is especially meaningful to me. I want them to grow up knowing there are no limits to what they can achieve. 

At the same time, success ultimately comes down to skills, capabilities, and the value you bring to the table. Sales is about understanding people, solving real problems, and building trust.

Jodi Lifschitz, Head of Content: Bringing an Educator's Perspective to Fintech

1. Chargebacks and friendly fraud are often misunderstood. Why is education such an important part of Chargeflow's mission?

Education is a huge part of Chargeflow’s mission because many merchants simply don’t realize the scale of the problem they’re facing. Chargebacks and friendly fraud are often misunderstood, which makes it harder for businesses to protect their revenue.

Before moving into fintech, I spent ten years as a teacher. That experience shaped how I approach content today. As a teacher, my job was to understand where students struggled and explain complex ideas in a way that made them clear and engaging.

Content works in a similar way. My role is to identify where merchants struggle and translate complex topics like fraud and disputes into insights that help them see the problem more clearly and take action.

“Education is the bridge between knowing a problem exists and understanding how to solve it.” Jodi Lifschitz, Head of Content

‍2. What role does content play in helping merchants better understand fraud and disputes?

For me, the story begins with Chargeflow’s founders. They were merchants themselves and experienced the frustration of chargebacks firsthand. The company was built to solve a problem they personally faced. 

That perspective shapes how we communicate. We’re not explaining fraud and disputes from the outside. Content helps translate real merchant pain into insights and resources that help businesses understand what’s happening and how they can protect their revenue.

“Great content doesn’t just explain a problem, it helps merchants feel confident taking action.” Jodi Lifschitz, Head of Content

The goal is to make complex topics clear so merchants feel empowered to make smarter decisions about protecting their businesses.

3. In honor of International Women’s Day, what advice would you give women interested in building a career in content, marketing, or tech?

Start with what you’re passionate about and find a way to make it useful to the industry you’re in or the one you want to grow into. 

For me, that meant taking something I always loved, writing and storytelling, and applying it in a way that could help businesses better understand the challenges they face. When you combine something you genuinely enjoy with a real problem that needs solving, it creates meaningful work. 

My advice is to stay curious and adaptable. Technology is constantly changing how we work. Instead of resisting it, learn how to use new tools to expand what you can do. Creativity, perspective, and narrative still come from you. Those are the things that truly shape great work. 

Conclusion

International Women’s Day is a moment to recognize the people behind the work, the leaders, builders, and educators helping shape companies and industries.

At Chargeflow, helping merchants navigate fraud and chargebacks depends on the teams building the technology, supporting customers, and educating the market every day.

Want to learn more about friendly fraud and chargebacks? Explore how Chargeflow helps merchants recover lost revenue and protect their businesses.