WNS-Vuram Card Dispute Management System is an end-to-end platform designed to help financial institutions efficiently manage the entire lifecycle of card disputes, from initial intake through resolution and settlement. It centralizes dispute handling into a single system, enabling organizations to process chargebacks, representations, write-offs, and fraud investigations with greater speed and accuracy. It supports multichannel dispute intake, allowing customers to raise disputes via phone, email, chat, or self-service portals, while agents and back-office teams operate within a unified workflow. CDMS incorporates intelligent automation to identify correct dispute reason codes, validate claims, and prioritize cases, reducing manual effort and minimizing errors. It integrates with core banking systems, card networks, and external data sources, providing a 360-degree view of transactions, customer history, and fraud signals to improve decision-making.