Author name: Elara Voskian

Elara Voskian is a consumer finance compliance specialist with 12 years of experience auditing credit card benefits for major U.S. issuers and fintechs. She holds a CFP® certification and co-authored the industry white paper 'Return Protection Realities: Gaps, Triggers, and Consumer Recourse.' Her background includes regulatory work with the CFPB and hands-on claims analysis across 3,200+ return protection cases. She now advises advocacy groups and writes transparent, jargon-free guidance on hidden cardholder protections.