Specialist - Card Operations 1

TDECU

84d

About The Position

The Card Operations Specialist 1 is committed to completing all operational duties as assigned to ensure smooth and efficient operation of the card services department. Representatives effectively utilize all available resources to consistently provide the highest level of service to our members relating to credit cards. Acts as liaison between Members, Vendors, and business lines to ensure timely follow up and resolution of any issues encountered.

Requirements

• High school diploma or equivalent required.
• Bachelor's or equivalent mix of education and experience preferred.
• 2+ years of experience in credit card operations, financial services, or related support role.
• Knowledge of card processing systems, dispute resolution, and regulatory guidelines (Reg E, UDAAP, etc.).
• Highly skilled at researching and effectively resolving issues in a timely manner.
• Strong work ethics, including the ability to complete duties on time and consistently arrive at work on time as scheduled.
• Ability to work flexible hours and overtime as needed.
• Knowledge and experience working with multiple card processing systems.
• Maintain proficiency in basic personal computer skills operation in a Windows environment, with intermediate to expert level Microsoft Word and Microsoft Excel skills.
• Strong interpersonal and professional written and verbal communication skills.
• Ability to handle inquiries and issues with tact and diplomacy.
• Knowledge of Visa/MasterCard regulations, dispute/chargeback procedures, and the technical aspects of card processing.
• Working knowledge of TDECU’s core system and a strong understanding of credit union policies and procedures related to credit cards.
• Ability to work effectively and collaboratively in a diverse work group and independently with minimal supervision.
• Ability to adapt to changes and prioritize and manage competing demands.
• Ability to read, analyze and interpret data and understand and communicate complex and diverse information.
• Ability to solve practical problems and deal with a variety of situations by exercising flexibility and sound judgment in a fast-paced environment.
• Ability to deliver quality work in times of increased volume.

Responsibilities

• Assist with day-to-day card operations, including issuance, account maintenance, and payment postings.
• Monitor and process credit card transactions from presentment to settlement.
• Monitor daily card file transmissions to ensure all processes are functional and potential issues are identified promptly.
• Handle ACH returns and payment postings.
• Perform timely research, balancing, and corrections in alignment with the general ledger or operational processes.
• Review various reports and audits new credit card accounts.
• Ensure timely and accurate posting of payments and adjustments.
• Respond to email and call inquiries from cardholders, merchants, and internal departments.
• Assist with account setup, maintenance, and troubleshooting.
• Provide guidance on credit card policies, fees, and dispute processes.
• Complete CRM & ServiceNow requests.
• Act as the secondary point of contact for escalated card services and digital payment issues from frontline and member service teams.
• Educate members and staff on the secure use of digital services, fraud prevention, and payment tools.
• Generate, review, and maintain documentation and logs for required processes.
• Stay up to date with financial regulations and compliance requirements.
• Engage in opportunities to expand knowledge and skillset by maintaining a thorough working knowledge of applicable credit and debit card products, procedures, and regulations.
• Contribute ideas for new products and services, or improvements to current processes with a focus on creating efficient and cost-effective workflows.

What This Job Offers

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