Card Services Specialist

Park State Bank•Virginia, MN

3d•$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 opportunities to develop expertise across debit, credit, prepaid, HSA, and ATM card services and to serve 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, use sound judgment, collaborate, and learn across Card Services operations. The role supports card inquiries and servicing, processes debit and ATM disputes, supports credit card fraud and disputes, reviews alerts and exception reports, and maintains case documentation. It also contributes to operational reporting, recovery efforts, compliance, process improvement, cross-training, and the bank’s service standards. The position is based in an indoor office setting involving light work, frequent computer and office-equipment use, and occasional movement around the office. Weekly travel to branches within the region is required; a valid driver’s license and reliable transportation are necessary. The position may occasionally require longer hours than scheduled and involves access to confidential employee, customer, 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 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 while knowing when to coordinate, ask questions, or escalate higher-risk matters.
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, adjust priorities, and work with all levels of management and bank vendors.
Strong organizational, analytical, communication, and interpersonal skills.
Self-starter able to 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 regional branch travel.

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, ensuring clear communication and follow-through.
Process debit and ATM card disputes in accordance with Regulation E, applicable Visa rules, and bank procedures, including claim review, correspondence, provisional credit, chargebacks, recovery efforts, documentation, and final resolution notices.
Monitor disputes handled by service providers for timely, accurate, and compliant processing; review reports and track recoveries and losses through resolution.
Support credit card fraud and dispute activity, 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 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 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 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 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.
Travel weekly to branches within the region.