Fraud Claims are defined as disputed transactions initiated or authorized by the customer

                                                                                                                    When a dispute is made, the merchant reverses the transaction and the customer receives his money back. Chargebacks are meant to protect consumers from unauthorized transactions. Instead of wasting time arguing with suppliers on the legitimacy of a transaction, customers can simply initiate a chargeback transfer.

answer: an effective exercise program organizations maximize efficiency, resources, time, and funding by ensuring that exercises are part of a coordinated, integrated approach to building, sustaining, and delivering core capabilities.