Card Services Specialist

Park State Bank•Hermantown, MN

20h•$20 - $23

About The Position

The Card Services Specialist is an operational resource within Card Services, taking ownership of assigned responsibilities, supporting daily priorities, and ensuring card-related activities are handled accurately and consistently. The role offers the opportunity to develop expertise across debit, credit, prepaid, HSA, and ATM card services while serving as a resource for card inquiries, dispute operations, and changing departmental needs. The position calls for a dependable, adaptable, detail-oriented professional who can manage competing priorities in a fast-paced environment, remain calm under pressure, communicate clearly, use sound judgment, and contribute collaboratively across Card Services operations. The employee is expected to protect confidential customer and Bank information, meet applicable deadlines, and deliver documented, compliant, customer-focused outcomes. The position is based in an indoor office setting with light physical demands. It requires frequent computer and office-equipment use, communication with employees, clients, and vendors, and weekly travel to branches within the region. A valid driver's license and reliable transportation are required. The role may occasionally require working longer hours than scheduled.

Requirements

High school diploma or GED.
Proficiency with Microsoft Word, Excel, Teams, and Outlook.
Valid driver's license and reliable transportation for weekly travel to branches within the region.
Ability to communicate accurately in spoken and written English.
Ability to handle stressful situations and work in a fast-paced environment while remaining calm and precise.
Ability to meet deadlines, multitask, and adjust priorities as needed.
Strong organizational, analytical, communication, and interpersonal skills.
Ability to maintain the confidentiality of employee accounts, client information, and Bank finances.
Ability to remain stationary for 50% of the time and occasionally move about the office.
Ability to exert up to 20 pounds of force frequently and/or a negligible amount of force constantly to move objects.

Nice To Haves

At least one year of experience in banking, financial services, card operations, fraud, disputes, or a closely related field.
Experience with card-processing, banking, dispute-management, fraud-monitoring, or case-management systems.

Responsibilities

Support card inquiries and operational questions with knowledgeable guidance, timely assistance, clear communication, and follow-through.
Process debit and ATM card disputes in accordance with Regulation E, Visa rules, and Bank procedures, including claim review, correspondence, provisional credit, chargebacks, recovery efforts, documentation, and final resolution notices.
Monitor service-provider dispute processing for timely, accurate, and compliant handling; review reports and track recoveries and losses through resolution.
Support credit card fraud and dispute activity, including case review, provider closeout packages, general ledger loss posting, recoveries, and centralized documentation retention.
Review fraud alerts, CAMS activity, compromised card notifications, and operational exception reports; assess risk and coordinate appropriate action.
Perform and support daily card servicing, including card maintenance, credit card payment processing, account closures, card reissuance, returned mail, and servicing exception resolution.
Review daily card reports and gather departmental data to support card operations and reporting.
Maintain complete, accurate, and organized case documentation for customer communications, audits, complaints, examinations, and internal reporting.
Identify recurring issues, control gaps, and inefficient processes and recommend practical improvements.
Maintain current knowledge of card regulations, network rules, industry trends, Bank standards, and compliance requirements through training and professional development.
Participate in cross-training and knowledge sharing across Card Services.
Work professionally with employees, management, customers, and service providers.
Perform other duties and projects as assigned in support of Card Services and Bank operations.
Meet regulatory, network, provider, and internal deadlines for disputes, notices, chargebacks, recoveries, and case resolution.
Maximize eligible recovery opportunities while maintaining accurate loss and recovery records.
Complete assigned work accurately and within established timeframes, communicating status and barriers promptly.
Demonstrate Park State Bank's core values and standards in interactions and decision-making.