Card Services Specialist

Park State Bank•Two Harbors, MN

20h•$20 - $23•Onsite

About The Position

The Card Services Specialist is an operational resource within Card Services, responsible for assigned work, day-to-day priorities, and accurate, consistent handling of card-related activities. The role provides opportunities to develop expertise across debit, credit, prepaid, HSA, and ATM card services and serves as a resource for card inquiries, dispute operations, and evolving departmental needs. The successful candidate is dependable, adaptable, and detail-oriented, and can remain calm in a fast-paced environment while prioritizing competing demands and balancing speed with accuracy. The position requires sound judgment, clear communication, initiative, collaboration, willingness to learn across Card Services operations, and adaptability in support of the bank’s strategic direction. The position is based 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, occasional movement around the office, and the ability to remain stationary for extended periods. Longer hours than scheduled may occasionally be required. The role may involve stressful situations and potential exposure to the possibility of a bank robbery. The employee will have access to confidential employee, client, and bank financial information.

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 well-supported resolutions.
Exceptional attention to detail and ability to manage deadlines, required notices, and multiple active cases with reliable follow-through.
Clear, professional, and respectful written and verbal communication.
Good judgment, discretion, and commitment to protecting confidential customer and bank information.
Ability to work independently and recognize when to coordinate, ask questions, or escalate higher-risk matters.
Resourcefulness, initiative, adaptability, and willingness to constructively challenge existing processes.
Customer-focused approach and ability to remain steady in fast-paced or stressful situations.
Strong organizational, analytical, communication, and interpersonal skills; ability to work with all levels of management and bank vendors.
Ability to meet deadlines, multitask, and adjust priorities as needed; self-starter capable of identifying and implementing efficiencies and cost-saving solutions.
Ability to exchange accurate information orally and in written English.
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 for card inquiries and operational questions, communicating clearly and following through to resolution.
Process debit and ATM card disputes under Regulation E, applicable Visa rules, and bank procedures, including claim review, correspondence, provisional credits, 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 disputes, including case review, 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 action.
Perform and support daily card servicing, including card maintenance, credit card payment processing, account closures, card reissuance, returned mail, and resolution of servicing exceptions.
Review daily card reports and 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, and 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 assigned duties and projects supporting 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.