Ben Herut

Ben Herut is the Chief of Staff at Chargeflow, where he operates as a direct partner to the CEO and drives cross-company execution across GTM, product, and operations. His remit spans the connective tissue of the business - translating strategy into shipped outcomes, aligning go-to-market and product motions around the company's biggest bets, and making sure the operational mechanics behind Chargeflow's automated dispute and prevention products keep pace with how fast the team is moving. Risk and payments expertise is the foundation he brings to the role, but the work itself is now company-wide.

Ben's path through the payments stack is unusually full-spectrum, with more than a decade of fintech experience across the issuer, processor, and merchant-side of the dispute lifecycle. He led Card Disputes and Card Fraud Prevention at N26, the European neobank, where he worked the issuer side of chargebacks and first-party misuse. He then moved to Payoneer as Chargeback and AML Lead, building and leading the team that handled the most complex payments and risk scenarios across Payoneer's cross-border merchant base. Before Chargeflow, Ben held senior roles at Justt and served as AML Officer and Chief Risk Officer at iLegends. Having sat on multiple sides of the dispute table - issuer, processor and AML, and now risk and operations leadership at Chargeflow - gives him an uncommonly grounded read on what actually moves win rates and what is marketing noise.

Ben is an active industry voice. He serves on the Merchant Risk Council (MRC) Certification Committee and the MRC Fraud Committee, mentors practitioners through the MRC mentor program, and has been recognized as one of the top 5 MRC contributors for his work shaping professional standards in payments and fraud. He is a monthly columnist for FraudBeat - recently recognized as a BONA FIDE columnist by Muckrack after Muckrack credentialed FraudBeat as a legitimate media outlet - and has made three to four podcast appearances over the past year on chargebacks, fraud, and AI in payments, including 'Taming Chargebacks With Real AI Agentics' on the Payments Experts Podcast (Nov 2025).

At Chargeflow, Ben writes and speaks on the topics he has operated on directly: Visa Compelling Evidence 3.0 qualification, issuer-initiated chargebacks, the agentic-commerce fraud gap, and the gap between legacy rule-based fraud tools and the post-purchase intelligence merchants now need. He is also a frequent voice for Chargeflow on LinkedIn, publishing posts under the Chargeflow brand that translate hard-won operator lessons into practical guidance for risk, finance, and merchant teams. Readers come to his bylines for clear, operator-grade takes on how disputes, fraud, and agentic commerce are reshaping what it means to actually get paid.