Card Services Specialist

Park State Bank•Duluth, MN

20h•$20 - $23

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 broad exposure to debit, credit, prepaid, HSA, and ATM card services and serves as a resource for card inquiries, dispute operations, and changing departmental needs. The position requires a dependable, adaptable, detail-oriented professional who can work in a fast-paced environment, prioritize competing demands, remain calm under pressure, and balance speed with accuracy. The specialist uses sound judgment, communicates clearly, takes initiative, collaborates with others, learns across Card Services operations, and adapts to support the bank’s strategic direction. The employee works in an indoor office setting and may travel weekly to branches within the region. The role involves frequent computer and office-equipment use, communication with employees, clients, and vendors, and access to confidential employee, client, and bank financial information. Occasional longer hours may be required.

Requirements

High school diploma or GED required.
Proficiency with Microsoft Word, Excel, Teams, and Outlook required.
Strong analytical and problem-solving skills, including the ability to research incomplete or conflicting information and reach 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 as appropriate.
Resourcefulness, initiative, adaptability, and willingness to constructively challenge existing processes.
Customer-focused approach and ability to remain steady in fast-paced or stressful situations.
Ability to meet deadlines, multitask, and adjust priorities as necessary.
Strong organizational, analytical, communication, and interpersonal skills, including ability to work with all levels of management and bank vendors.
Self-starter with the ability to identify and implement efficiencies and cost-saving solutions.
Ability to exchange accurate information orally and in written English.
Ability to remain in a stationary position for 50% of the time and occasionally move around the office to access file cabinets and office machinery.
Ability to exert up to 20 pounds of force frequently and/or a negligible amount of force constantly to move objects.
Valid driver’s license and reliable transportation for weekly travel to regional branches.

Nice To Haves

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

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 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 exceptions.
Review daily card reports and gather departmental data for card operations and reporting.
Maintain complete, accurate, 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 ongoing 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, and promptly communicate status and barriers.
Demonstrate Park State Bank’s core values and standards in interactions and decision-making.