Card Services Specialist

Park State Bank•Hibbing, MN

4d•$20 - $23•Onsite

About The Position

The Card Services Specialist is an operational resource within Card Services, responsible for assigned work and day-to-day priorities while ensuring card-related activities are handled accurately and consistently. The role supports debit, credit, prepaid, HSA, and ATM card services and serves as a resource for card inquiries, dispute operations, and changing departmental needs. The position calls for a dependable, adaptable, detail-oriented professional who can prioritize competing demands, remain calm under pressure, communicate clearly, exercise sound judgment, and work collaboratively while learning and contributing across Card Services operations. The role handles card inquiries and dispute processes, supports fraud monitoring and card servicing, maintains documentation, reviews reports, and helps improve operational processes. The employee must meet regulatory, network, provider, and internal deadlines; maximize eligible recoveries; deliver compliant, well-documented customer outcomes; and communicate work status and barriers promptly. The position is based in an indoor office setting and requires weekly travel to branches within the region. The employee must be able to handle stressful situations and a fast-paced workload while remaining calm and precise. Occasional longer hours may be necessary. The role involves frequent computer and office-equipment use, frequent communication with employees, clients, and vendors, and access to confidential customer and Bank information.

Requirements

High school diploma or GED.
Proficiency with Microsoft Word, Excel, Teams, and Outlook.
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.
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.
Ability to remain customer-focused and calm in fast-paced or stressful situations.
Ability to meet deadlines, multitask, and adjust priorities as needed.
Strong organizational, analytical, communication, and interpersonal skills, including the ability to work with all levels of management and Bank vendors.
Self-starter who can identify and implement 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.
Ability to exert up to 20 lbs. of force frequently and/or a negligible amount constantly to move objects, remain stationary 50% of the time, and occasionally move around the office.

Nice To Haves

At least one year of 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 in accordance with Regulation E, Visa rules, and Bank procedures, including claim review, correspondence, provisional credits, chargebacks, recovery efforts, documentation, and final resolution notices.
Monitor disputes processed by service providers and review reports to ensure timely, accurate, and compliant handling; 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 action.
Perform and support daily card servicing operations, 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 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 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 applicable 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.