Card Services Specialist

Job Function / Summary

Responsible for the day-to-day administration and servicing of the Bank's credit card program, ensuring compliance with applicable regulations, card network requirements, and internal policies and procedures. Provides reporting, compiles data, and operational support for the Bank's debit and prepaid card programs. Supports internal controls, fraud monitoring, and delivers accurate financial reporting in a community-bank environment. Serves as a resource to internal departments and cardholders.

Primary Duties & Responsibilities

• Supports all operational aspects of the credit card program, including cardholder account maintenance, new account setup, payments, adjustments, disputes, balancing and fraud resolution.
• Serves as the primary contact for credit card servicing, ensuring timely and accurate response to customer and internal inquiries.
• Reviews daily credit card exception, activity, and fraud reports; escalates issues in accordance with Bank policy.
• Investigates and resolves billing disputes, fraud claims, and chargebacks in compliance with Regulation Z, card network rules, and Bank procedures.
• Maintains appropriate documentation and audit trails to support examiner and internal audit review.
• Balances credit card control logs and related general ledger accounts, ensuring accuracy and segregation of duties.
• Provides debit card and prepaid card reporting, data collection, and trend analysis to support management, compliance, and vendor oversight.
• Assists with monitoring debit card activity reports for trends, losses, or anomalies and escalates concerns to appropriate departments.
• Supplies debit card and prepaid data for monthly, quarterly, and ad-hoc reporting, without direct responsibility for card servicing or dispute resolution.
• Supports Loan Officers, Special Assets, Retail Branches, Deposits Operations, and other departments as needed.
• Any other duties as assigned by Management.