Bankcard Specialist

BANKCARD SPECIALIST

This position will work with the digital banking and payments sector of the financial industry. This role focuses on bankcard processing, account maintenance, fraud monitoring, and regulatory compliance while delivering excellent service to internal and external customers. Work is performed within the framework of standard operating policies and procedures; however, independent judgment and discretion is required in performing assigned tasks. Deviations from normal procedures and/or questions are referred to the designated supervisor.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

Process credit card applications, including account setup, credit line adjustments, and cardholder maintenance.

Handle credit and debit card issuance, activations, PIN resets, and reissues for lost or stolen cards.

Monitor credit card transactions for potential fraud and unusual activity, escalating cases as necessary.

Assist customers with inquiries related to credit card payments, billing statements, and transaction history.

Ensure timely processing of credit card payments, chargebacks, and account adjustments.

Manage and balance various internal credit card accounts and process settlements daily; work with various teams to ensure all is balanced out.

Work closely with our processor to open cases and follow up on issues on customer/corporate level.

Review, respond, and forward email correspondence received in the bank’s generic inboxes.

Maintain accurate records of credit card account activity, fraud investigations, and compliance reporting.

Performing monthly and quarterly reporting.

Assist in audits and regulatory reviews related to credit card operations.

Confidentiality is required in all phases of employment.

Ensure compliance with industry regulations, including Regulation Z (Truth in Lending Act), PCI DSS (Payment Card Industry Data Security Standard), and internal policies.

Comply with all banking regulations, policies, and procedures.

NON-ESSENTIAL DUTIES & RESPONSIBILITIES include the following. Other duties may be assigned.

Maintain education and professional expertise through attendance at job related seminars, conferences, and workshops.

SUPERVISORY RESPONSIBILITIES

None.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

Possess a two-year associate’s degree from an accredited university or institution in business, accounting, finance, or other closely related field. Professional work experience may be substituted on a year-for-year basis for the minimum education requirement.

Possess a minimum of at least three years of professional work experience in a closely related field.

LANGUAGE SKILLS

Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures or governmental regulations. Ability to write reports, business correspondence and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public both face-to-face and over the telephone.

MATHEMATICAL SKILLS

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.

REASONING ABILITY

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.

OTHER

SKILLS AND ABILITIES

Must have the ability to operate the following equipment: telephone, PC and printer, copy machine, calculator and fax machine. Must have working knowledge of spreadsheet, word processing and database software programs. Advanced PC knowledge. Knowledge of ATM hardware required.

KEY CONTACTS -
- Internal and External

Has frequent contact with all bank personnel,…