Card Payments Specialist

Principal Accountabilities

• Manage the end-to-end lifecycle of card issuance, activation, maintenance, and closures.
• Monitor daily card activity to identify fraud trends, and processing issues. Handle chargebacks, disputes, and exception processing in accordance with Visa network rules and ensure compliance with applicable regulations (e.g., Reg E, Reg Z).
• Perform daily and monthly general ledger balancing related to card transactions and settlement accounts, identifying and resolving discrepancies.
• Complete network settlement reports and verify incoming/outgoing funds align with processing totals. Reconcile interchange, issuer fees, chargebacks, and processor fees on a regular basis. Ensure accurate daily settlement and reconciliation of card network transactions, including posting corrections and adjustments as needed.
• Prepare and distribute monthly and quarterly reports detailing card processing volumes.
• Serve as the subject matter expert and primary contact for phone and email communication on all debit and credit products, services, and processes for internal and external card-related inquires. Provide friendly and knowledgeable support to branch staff and customers regarding card usage, maintenance, declines, and security best practices.

Basic Qualifications

• A high school diploma or GED with 2 years of experience in card operations, card payments, or banking in a financial institution or an equivalent combination of education and experience.

Additional Qualifications

• Familiarity with community banking operations and a strong customer-first approach.
• Excellent attention to detail, problem-solving skills, and customer service orientation.
• Capable of working independently and collaboratively across departments.
• Strong organizational and communication skills, both written and verbal.
• Ability to handle confidential information with integrity and professionalism.
• Proficient in Microsoft Office and adaptable to new banking software tools.
• Strong understanding of Visa networks, card processing systems, and card regulations.
• Experience with card fraud detection, dispute resolution, and risk mitigation.
• Experience with general ledger balancing, payment reconciliation, and financial reporting.