Card Services Specialist

Park State Bank•Grand Rapids, MN

20h•$20 - $23•Onsite

About The Position

The Card Services Specialist is an operational resource within Card Services, supporting day-to-day priorities and ensuring card-related activities are handled accurately, consistently, and with strong follow-through. The role offers the opportunity to develop expertise across debit, credit, prepaid, HSA, and ATM card services and to serve as a resource for card-related inquiries, dispute operations, and changing departmental needs. The successful candidate is dependable, adaptable, detail-oriented, and able to work in a fast-paced environment. The position requires calm judgment under pressure, prioritization of competing demands, clear communication, initiative, collaboration, willingness to learn across Card Services operations, and adaptability in support of the bank’s strategic direction. The employee works in an indoor office setting and is required to travel weekly to branches within the region. The role involves frequent computer and office-equipment use, frequent communication with employees, clients, and vendors, and access to confidential employee accounts, client information, and bank financial information. Occasional longer hours may be required. The employee must be able to handle stressful situations, meet deadlines, multitask, and adjust priorities. There is also the possibility of a bank robbery despite ongoing security training.

Requirements

High school diploma or GED required.
At least one year of banking, financial services, card operations, fraud, disputes, or a closely related field is preferred.
Proficiency with Microsoft Word, Excel, Teams, and Outlook is required.
Strong analytical and problem-solving skills, including researching incomplete or conflicting information and reaching a well-supported resolution.
Exceptional attention to detail and ability to manage deadlines, required notices, and multiple active cases while maintaining follow-through.
Clear, professional, and respectful written and verbal communication skills.
Good judgment, discretion, and commitment to protecting confidential customer and bank information.
Ability to work independently and to coordinate, ask questions, or escalate higher-risk matters when appropriate.
Resourcefulness, initiative, adaptability, and willingness to constructively challenge existing processes.
Customer-focused approach and ability to remain calm and precise in fast-paced or stressful situations.
Strong organizational, analytical, communication, and interpersonal skills, including ability to work with all levels of management and bank vendors.
Self-starter able to identify and implement efficiencies and cost-saving solutions.
Ability to meet deadlines, multitask, and adjust priorities as necessary.
Ability to remain in a stationary position 50% of the time and occasionally move about the office.
Ability to exert up to 20 pounds of force frequently, or a negligible amount constantly, to move objects.
Ability to communicate accurately in English, orally and in writing.
Valid driver’s license and reliable transportation for weekly travel to regional branches.

Nice To Haves

Experience with card-processing, banking, dispute-management, fraud-monitoring, or case-management systems.

Responsibilities

Provide knowledgeable guidance and timely assistance on card inquiries and operational questions, communicating clearly and following issues through to resolution.
Process debit and ATM card disputes under Regulation E, applicable Visa rules, and bank procedures, including claim review, correspondence, provisional credit, chargebacks, recovery efforts, documentation, and final resolution notices.
Monitor disputes processed by service providers for timely, accurate, and compliant handling; review reports and track recoveries and losses through resolution.
Support credit card fraud and dispute activity, including case reviews, service-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 responses.
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 help gather departmental data for card operations and reporting.
Maintain complete, accurate, and organized case documentation for customer communication, audits, complaints, examinations, and internal reporting.
Identify recurring issues, control gaps, and inefficient processes; recommend practical improvements to service, compliance, and operational consistency.
Maintain current knowledge of card regulations, network rules, industry trends, bank standards, and relevant compliance requirements through training and professional development.
Participate in cross-training and knowledge sharing across Card Services functions.
Partner 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.