(Bloomberg) -- Nightfall in Minsk means Dmitry Naskovets begins working the phone. At 24, Naskovets is tall and skinny, and still looks like the college kid he recently was. He’s in his apartment’s kitchen, in a respectable neighborhood off the second ring road in the capital of Belarus. He starts around 6 p.m. and usually doesn’t quit until three the next morning.

On this particular winter night in 2009, Naskovets checks the online orders that have come in and sees a routine assignment. A client has tried to buy a MacBook Pro online with a stolen credit card, but American Express blocked the purchase. Now it’s Naskovets’s job to work it out with Amex.

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