Chargeflow's editorial team

David Silverman is a Senior Enterprise & Partnerships Sales Executive at Chargeflow, where he drives strategic alliances and enterprise revenue growth. He previously co-founded Netz Ventures, focused on cross-border deal flow, and brings a leadership and business development background spanning multiple companies. He co-hosts Chargeflow's 'Grow with the Flow' ecommerce podcast, and holds a Yale University certification in 'Introduction to Negotiation: A Strategic Playbook.'

Jodi Lifschitz is the Head of Content at Chargeflow, where she leads editorial strategy across the blog, knowledge base, and long-form resources for ecommerce merchants navigating chargebacks, friendly fraud, and payment disputes. Jodi has built her career on translating technical B2B subject matter into clear, useful content. Before Chargeflow she was Head of Content at Dataloop (AI/data infrastructure), and held senior content positions at SysAid (IT service management), Cyberint (threat intelligence), and MAPP — giving her a deep working vocabulary in SaaS, cybersecurity, AI, and now fintech. She also brings classroom-trained writing fundamentals: she began her career as an English teacher with the Israeli Ministry of Education before moving into commercial writing through Quality Writing Services. At Chargeflow she focuses on the editorial standards that matter most for merchants making real money decisions: factual accuracy on card-network rules, clarity around dispute timelines and reason codes, and synthesis of in-house data on win rates and recovery. She writes about chargeback management, friendly fraud, payment-processor policies, and the operational playbooks that keep DTC and subscription merchants compliant. Jodi holds a Bachelor of Arts from Yeshiva University and a Teacher's Certificate of English from David Yellin College.

Tom-Chris Emewulu was Chargeflow's first hire. Since 2020, he has built the company's content authority, writing and publishing over 100 guides across the Chargeflow blog and guest publications, reaching millions of merchant readers, and establishing Chargeflow as the reference practitioners cite when a chargeback lands and they don't know what to do next. His focus is the precision work: Visa CE 3.0, chargeback ratio thresholds, representment evidence, friendly fraud prevention, and processor policy across Stripe, PayPal, and Shopify Payments. The terrain where merchants lose money quietly and win it back deliberately. He writes for Chargeflow because the fraud landscape changes almost monthly, and much of what's published online isn't built for operators who actually have to act on it.

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.

Dan Moshkovich is the VP of Marketing at Chargeflow, where he leads a marketing team of eight on a seven-figure budget driving demand, content, and category leadership for the AI-powered chargeback automation platform. He has been with Chargeflow since September 2023 and is based in Toronto, Canada. Dan brings 15+ years of B2B SaaS marketing experience, more than a decade of which has been concentrated in the fintech and fraud-prevention category. Before Chargeflow he was Marketing Director at Justt.ai, VP of Marketing at VirtaMove, Marketing Director at HubStor (acquired by Veritas Technologies), and Marketing Director at Riskified during its pre-IPO era; Riskified later IPO'd at roughly a $4B valuation. Across that arc he has been a marketing leader through three startup outcomes - two acquisitions and one IPO. He is also the founder of Applied Logic Marketing Solutions, his B2B marketing consultancy. Dan is the published author of 'B2B Startup Marketing: A Practical Guide: How to Build Your B2B Marketing Operation from the Ground Up' (Feb 2023), a practitioner playbook for building a B2B marketing function from zero. He is a guest on The Payments Show podcast (Ep. 87, March 2024, 'Navigating the Chargeback Storm'), hosts segments of Chargeflow's Grow With The Flow podcast, and represents Chargeflow at industry events including Money 20/20 USA and MRC Vegas. He has been featured in Financial Promoter's 'US Hot 100' for fintech marketing leadership. Dan writes about fintech demand generation, fraud-prevention category marketing, content and SEO strategy, and how to build a B2B marketing operation that actually compounds. His perspective is practitioner-first - the systems he describes are the same ones he has built and run.

Avia Chen is the Co-Founder and Chief Marketing Officer of Chargeflow, the AI-powered, fully automated chargeback management platform now serving more than 20,000 merchants including Miro, Huel, Fanatics, and Sweetgreen. Together with his brother Ariel, Avia raised Chargeflow's $35M Series A in November 2025 (bringing total funding to $49M) to accelerate the company's friendly-fraud prevention roadmap. Avia's expertise didn't start in fintech — it started as the merchant on the other side of the chargeback. He and Ariel previously co-founded Babe Cosmetics, a cruelty-free beauty brand they grew to millions of dollars in monthly transaction volume before selling it to focus on Chargeflow. The chargeback losses they experienced firsthand at Babe — and the lack of any usable third-party solution — became the founding insight behind Chargeflow. At Chargeflow, Avia leads product and marketing strategy and hosts the 'Ask Avia' interview series, where he unpacks chargeback trends, customer-experience strategy, and ecommerce growth playbooks with operators and founders. He writes about the topics he's lived through as a merchant: scaling a DTC brand, defending revenue from disputes, and using AI to automate post-purchase operations. Readers can trust Avia's perspective because it's grounded in operating experience, not theory — he has personally absorbed the cost of friendly fraud, then built the system designed to stop it.

Ariel Chen is the Co-Founder and CEO of Chargeflow, the AI-powered chargeback automation platform that has recovered over $100M in disputed revenue for more than 20,000 merchants including Miro, Huel, Fanatics, and Sweetgreen. An Israeli-American entrepreneur based in Jerusalem, Ariel has spent more than a decade building at the intersection of e-commerce, payments, and fraud prevention. Ariel's path to fintech started early. Before Chargeflow, he co-founded Babe Cosmetics with his brother Avia Chen, scaling the cruelty-free beauty brand to millions of dollars in transaction volume before its acquisition. It was inside Babe Cosmetics that the brothers experienced firsthand the chargeback crisis that costs merchants billions every year, an insight that became the seed for Chargeflow in 2021. Earlier in his career, Ariel served as Chief Operating Officer at MasterPos, leading merchant services and technical support functions, and as a Senior Core Network Engineer in Israeli Military Intelligence, where he built deep technical expertise in large-scale systems. At Chargeflow, Ariel has led the company through $14M in seed funding (announced August 2023, led by OpenView Venture Partners) and a $35M Series A in November 2025 led by Viola Growth with participation from OpenView, Journey Ventures, and former SafeCharge CEO David Avgi, bringing total capital raised to $49M. He sets product direction for the company's machine learning and generative AI systems that automatically compile evidence, enrich merchant data, and learn from millions of resolved disputes, delivering up to an 80% success rate against friendly fraud. Ariel writes and speaks about chargeback automation, friendly fraud, AI in payments, and the operational realities of running an e-commerce business under post-purchase fraud pressure. His perspective is grounded in having lived the problem as a merchant before building the solution as an operator.

Ayala Levi is the General Manager of the Chargeflow Alerts business unit, where she owns the P&L, product roadmap, and card-network partnerships for Chargeflow's pre-dispute deflection product. Chargeflow Alerts plugs merchants into the Verifi RDR, Verifi CDRN, and Ethoca rails so chargebacks are resolved before they hit the merchant's dispute queue, and Ayala is the business owner running that operation end-to-end. Ayala brings an unusual operator profile to a payments-network product. She is a licensed Israeli attorney (Israel Bar Association) with an LL.B. from The College of Management - Academic Studies in Tel Aviv, and she practiced as an advocate at Shibolet & Co., one of Israel's top-tier corporate law firms. From there she moved into fintech as Operations & Legal Lead at Simetria, where she ran ops, legal and regulatory, budget, partner agreements, HR, and led the implementation of the company's ISO information-security-management program working directly with the CEO, CTO and CPO. At Chargeflow she first led Finance Operations before being elevated to GM of the Alerts business unit. Her legal-plus-operations-plus-finance background shapes how Chargeflow handles Visa and Mastercard contracts, Verifi and Ethoca commercial terms, and the compliance posture of a product that sits on top of the card networks themselves. She also served as an Operational Intelligence Officer in the Israeli Air Force. Readers can trust Ayala's perspective on pre-dispute alerts because she is the operator running the product against the actual Verifi and Ethoca rails, with the legal and compliance fluency to interpret what the network rules really allow.

Dov Carpe is an Account Executive at Chargeflow, where he runs discovery calls and closes deals with senior management and C-Suite executives at ecommerce brands evaluating Chargeflow's automated chargeback recovery platform. He joined Chargeflow as a Sales Development Representative, was promoted to lead Inside Sales & Sales Development, and now sits in the AE seat. In Q1 of his SDR tenure he hit 105% of quota by building custom outbound sequences, cold-call scripts, and social-selling motions targeting senior decision-makers at DTC and subscription merchants. Alongside his sales role, Dov is the host of Chargeflow's flagship podcast 'Grow with the Flow,' which he co-hosts with fellow Chargeflow AE Dave Silverman. The show ships every other Monday at 12 pm EST and brings together founders, operators, and category experts to unpack ecommerce growth playbooks. Verified guests include Dr. Jonathan Snow (Chief Innovation Officer, Avenue Z; founder of The Snow Agency) on influencer marketing, Eli Weiss (VP of Retention Advocacy at Yotpo) on retention, Jeremy Horowitz (Managing Partner at Because Ventures) on go-to-market, Dan Moshkovich (VP of Marketing, Chargeflow) on DTC marketing strategy, Matthew Holman (founder, Subscription Prescription) on subscription offers, Daniel Snow (founder, The Snow Agency) on social-media growth hacks, and Brian Wallace (founder/president, Now Sourcing) on content marketing. Episodes are distributed across Chargeflow's site, Spotify, and YouTube, with a 'Grow with the Flow' LinkedIn community page for DTC professionals. Before Chargeflow, Dov worked at CYNC Secure, a cybersecurity startup, where he helped build the sales tech stack and authored custom outbound sequences. He is also the founder of CarpentryMedia, a commercial photography and videography studio that helps brands visually tell their story, and previously contributed to VaynerMedia. Earlier in his career he taught and counseled at Yeshivat Lev HaTorah, served as a director at NCSY, and taught at Naaleh High School for Girls. He separately hosts an independent interview podcast, 'The Creators Forum,' covering creativity and inspiration across personal and professional life, with multiple seasons published on Apple Podcasts and Spotify. Dov's authority for Chargeflow readers comes from two compounding sources: a decade of hands-on B2B sales conversations with ecommerce operators about how chargebacks actually hit their P&L, and hundreds of hours interviewing DTC founders on tape about what is and isn't working in growth, retention, and post-purchase. His credentials include hosting Chargeflow's 'Grow with the Flow' podcast - a biweekly long-form interview series with 7+ verified episodes featuring senior DTC operators - which makes his perspective grounded in real merchant conversations, not theory.

Frank Frantz is the Director of Strategic Sales & Partnerships at Chargeflow, where he leads enterprise sales motions and strategic partner relationships in financial services and ecommerce. He brings over 15 years of experience working across financial services and joined Chargeflow during its NYC expansion and Series A growth phase. He posts regularly on LinkedIn about fraud prevention, chargebacks, and the Chargeflow Prevent product.

Itamar Argaman is the Head of Sales and Business Development at Chargeflow, the AI-powered chargeback automation platform for ecommerce merchants. Since joining the company in May 2022, he has built and scaled the global sales organization, designed the go-to-market motion across the US, UK, and EU, and partnered with hundreds of Shopify, BigCommerce, WooCommerce, and PayPal-first merchants to fight credit card disputes through automation. Itamar brings more than a decade of B2B fintech sales experience to the role, with deep specialization in online payments, fraud prevention, risk, and ecommerce. Before Chargeflow, he was a Business Account Manager at RealDeposits (April 2020 to May 2022), where he advised merchants on payment infrastructure and acquiring solutions for high-risk and high-volume verticals including ecommerce, retail, and travel. That hands-on payments background informs how he thinks about the chargeback lifecycle today: not as a back-office cost line, but as a recoverable revenue stream. At Chargeflow, Itamar leads sales strategy, partnerships, and global team development. He has personally talked with thousands of merchants and online business owners about dispute economics, win-rate optimization, and the operational cost of manual chargeback handling - insights he distills into Chargeflow's blog, case studies (including the Wordtune x Chargeflow case study), and partner enablement materials. His writing focuses on chargeback automation, fraud defense, partnership strategy, and the business case for offloading disputes to AI. Based in Israel, Itamar is an active LinkedIn voice in the chargeback, Shopify, and payments communities. He has contributed thought leadership content on Chargeflow's blog including 'Beyond Fraud Defense: Exploring the Essential Role of Chargeback Automation in eCommerce Strategy.'