Payment Operations Specialist II – Debit Cards

Newtek One

4d•$55,000 - $65,000

About The Position

NewtekOne®, Your Business Solutions Company®, is a financial holding company, which along with its bank and non-bank consolidated subsidiaries, provides a wide range of business and financial solutions under the Newtek® brand to the small- and medium-sized business ("SMB") market. Since 1999, Newtek has provided state-of-the-art, cost-efficient products and services and efficient business strategies to SMB relationships across all 50 states to help them grow their sales, control their expenses, and reduce their risk. Newtek's and its subsidiaries' business and financial solutions include: banking (Newtek Bank, N.A.), Business Lending, Electronic Payment Processing, Technology Solutions (Cloud Computing, Data Backup, Storage and Retrieval, IT Consulting), eCommerce, Accounts Receivable Financing & Inventory Financing, Insurance Solutions, Web Services, and Payroll and Benefits Solutions. Newtek Bank, N.A. is looking to add a Payment Operations Specialist II to its team. (Please see below for schedule information) We're looking for a detail-oriented Payment Operations Specialist II to support and manage debit card processing in a fast-growing digital bank. This role sits at the heart of our card operations, ensuring smooth day-to-day processing, issue resolution, and compliance across the debit card lifecycle-from transaction settlement to dispute handling and network coordination. You'll work closely with card networks, processors, internal teams, and external partners to ensure our cardholders have a seamless and reliable debit card experience. The ideal candidate possesses strong technical expertise in payment processing, exceptional problem-solving capabilities, and a meticulous approach to compliance and risk management.

Requirements

2+ years of experience in card operations
2+ years of experience in payment operations, or banking operations
Hands-on experience with debit card processing and transaction flows
Familiarity with card networks (Visa and MoneyPass) and card dispute processes
Strong attention to detail and ability to manage multiple operational tasks simultaneously
Strong analytical and problem-solving skills
Clear written and verbal communication
Ability to work various shift schedules (M-F)
Process-oriented mindset with a focus on accuracy and efficiency
Comfortable operating in a fast-paced, evolving environment

Responsibilities

Monitor and manage daily debit card transaction processing, settlements, and reconciliations
Ensure accurate posting of debit card transactions across internal systems
Identify, investigate, and resolve transaction exceptions, declines, and processing errors
Support card lifecycle activities, including issuance and activation monitoring, reissues, replacements, and closures
Handle debit card disputes and chargebacks in line with card network rules
Coordinate evidence collection, representation, and tracking of dispute outcomes
Monitor dispute timelines, recovery rates, and compliance with SLA requirements
Ensure debit card operations comply with network regulations, internal policies, and applicable regulations
Support audits, reporting, and control testing related to card operations
Escalate operational risks, fraud trends, or system issues proactively
Act as a key operational contact for card processors, networks, and vendors
Support testing, configuration changes, and new card feature rollouts
Assist with incident management and root-cause analysis for card-related outages or issues
Prepare operational reports on volumes, exceptions, disputes, and performance metrics
Identify process gaps and recommend automation or efficiency improvements
Contribute to documentation of procedures, workflows, and operational playbooks
Support additional team end-to-end processing of all payment transaction types, including ATM, ACH, wires, checks, Zelle, real-time payments, and file processing.
Support monitoring payment queues, exceptions, and error reports to ensure timely resolution and minimal disruption to operations.
Participate in cross-functional initiatives requiring operational expertise.
Other such duties as assigned.