Card Services Specialist

Park State Bank•Nashwauk, MN

20h•$20 - $23•Onsite

About The Position

The Card Services Specialist is an operational resource within Card Services, responsible for assigned work, supporting daily priorities, and handling card-related activities accurately and consistently. The position develops expertise across debit, credit, prepaid, HSA, and ATM card services and serves as a resource for card inquiries, dispute operations, and changing departmental needs. The role calls for a dependable, adaptable, detail-oriented professional who can manage competing demands, communicate clearly, exercise sound judgment, work collaboratively, and remain accurate in a fast-paced environment. The position works in an indoor office setting and requires weekly travel to branches within the region. The employee must have a valid driver’s license and reliable transportation. The role involves frequent computer and office-equipment use, regular communication with employees, clients, and vendors, and access to confidential employee, customer, and bank financial information. Occasional work beyond scheduled hours may be required.

Requirements

High school diploma or GED required.
Proficiency with Microsoft Word, Excel, Teams, and Outlook is required.
Ability to meet deadlines, manage multiple active cases, and adjust priorities while maintaining accuracy and follow-through.
Clear, professional, and respectful written and verbal communication skills in English.
Strong organizational, analytical, interpersonal, and problem-solving skills, including the ability to research incomplete or conflicting information and reach a well-supported resolution.
Good judgment, discretion, and commitment to protecting confidential customer and bank information.
Ability to work independently and coordinate, ask questions, or escalate higher-risk matters when appropriate.
Ability to remain calm and customer-focused in fast-paced or stressful situations.
Self-starter who can challenge existing processes constructively and identify and implement efficiencies and cost-saving solutions.
Valid driver’s license and reliable transportation for weekly travel to regional branches.
Ability to remain in a stationary position 50% of the time, occasionally move around the office, and exert up to 20 pounds of force frequently or a negligible amount constantly.

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

Respond to card inquiries and operational questions with knowledgeable guidance, timely assistance, clear communication, and follow-through.
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 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 operations, including card maintenance, credit card payment processing, account closures, card reissuance, returned mail, and servicing exceptions.
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, or inefficient processes and recommend practical improvements.
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.
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 applicable 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.