Senior Card & Payment Operations Specialist

Austin Telco Federal Credit Union • Austin, TX

1d • Onsite

About The Position

The Senior Card & Payment Operations Specialist serves as a subject matter expert for the Credit Union’s debit and credit card programs while supporting payment operations and providing service to members and internal teams. The role administers card operations, settlements, disputes, chargebacks, fraud monitoring, ATM activity, and related reporting and controls. It also supports ACH processing, wire transfers, stop payments, check adjustments, reconciliations, and other payment functions.

The specialist works with members, internal departments, card processors, vendors, and network partners to resolve issues and support operational improvements. The position provides guidance and training to Payment Services employees, serves as an escalation point for complex member situations, and acts as backup to the Manager of Payment Services. The position is based at 11149 Research Blvd, Austin, TX 78759, with a Monday–Friday schedule of either 7:30 a.m.–4:00 p.m. or 8:00 a.m.–4:30 p.m., depending on operational business needs. The salary range is $54,700–$64,500, and the role is nonexempt.

Requirements

• 3–5 years of experience in card services within a credit union or banking institution.
• High school diploma or equivalent.
• Demonstrated experience supporting debit card and/or credit card operational functions.
• 1–3 years of experience with card disputes, chargebacks, fraud monitoring, settlements, and reconciliations.
• Strong analytical, problem-solving, and organizational skills.
• Ability to manage high-volume transactional work while maintaining exceptional accuracy.
• Strong written and verbal communication skills.
• Proficiency with Microsoft Office Suite, including Excel.
• Ability to manage multiple priorities and deadlines in a fast-paced environment.
• Good credit standing, verified prior to interview.
• Completion of an assessment.
• Successful background check and drug screening upon offer.

Nice To Haves

• Associate degree in Finance, Accounting, Business Administration, or a related field, or an equivalent combination of education and experience.
• Experience in payment operations within a financial institution.
• Experience managing ATM operations and related vendor relationships.
• Experience with Symitar, Visa DPS, Q2, Falcon, Verafin, or similar core processing, card management, and fraud monitoring systems.
• Working knowledge of Visa rules and regulations, chargeback processing, and card network operating requirements.
• Knowledge of NACHA Operating Rules, Regulation E, Regulation Z, Check 21, and UCC Articles 3 and 4.
• Experience balancing settlement and general ledger accounts.

Responsibilities

• Administer daily debit and credit card operations, including issuance, maintenance, replacements, activations, and closures.
• Manage card settlement activities and assist with reconciling card-related accounts.
• Investigate, process, and resolve cardholder disputes, chargebacks, and error resolution claims in accordance with network rules and regulatory requirements.
• Monitor fraud detection systems and alerts and take appropriate action to mitigate fraud losses and protect member accounts.
• Research suspicious transactions, analyze fraud trends, and recommend preventive measures.
• Liaise with card processors, vendors, and network partners to resolve operational issues and support card program enhancements.
• Maintain accurate cardholder records and update card management systems.
• Monitor ATM fleet activity and performance; coordinate with vendors and service providers to resolve issues and maintain uptime.
• Prepare and analyze reports on card usage, fraud activity, disputes, settlements, and operational performance.
• Assist with audits, compliance reviews, and examinations related to card operations.
• Develop and maintain card services procedures and documentation.
• Provide guidance and support to internal staff on card services processes, policies, and member inquiries.
• Assist with ACH processing, wire transfers, stop payments, check adjustments, and other payment-related functions.
• Research and resolve member inquiries related to account activity, statements, checks, and payment transactions.
• Balance daily transactions, clearing accounts, settlements, and related general ledger accounts.
• Investigate and resolve payment exceptions and reconciliation discrepancies.
• Support ATM operations, payroll processing activities, and other assigned payment services functions.
• Assist with departmental projects, audits, record requests, and operational initiatives.
• Deliver timely, professional, and accurate service to members and internal departments.
• Collaborate with accounting, branch operations, lending, compliance, and other business units.
• Identify opportunities to improve operational efficiency, member experience, and risk controls.
• Mentor and train employees within the Payment Services Team.
• Serve as the escalation point for complex member situations and act as backup to the Manager of Payment Services.
• Perform other duties as assigned.

Benefits

• Medical, dental, vision, disability, and life insurance.
• Optional coverage for critical illness, legal support, and other needs.
• Paid federal holidays, vacation, and sick leave.
• Special paid days for birthdays, work anniversaries, and other milestones.
• 401(k) with company match.
• Pension plan.
• Volunteer opportunities and credit union-sponsored events.
• Supportive, mission-driven culture that values respect, empathy, service, integrity, and cooperation.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: High school or GED