Vice President - Cash & Card Management

Horizon Bank Texas • Salado, TX

1d • Onsite

About The Position

We’re looking for a strategic, hands-on leader to join our team as VP, Cash & Card Management, based out of our Central Texas offices. This in-person role offers a unique opportunity to shape and elevate Horizon’s card, cash, and virtual vault operations by driving performance, strengthening controls, and enhancing the experience for both our customers and internal partners. As a key partner across Treasury, Retail, Finance, and Fraud, you’ll lead with both vision and execution—owning critical operational functions while identifying opportunities to improve efficiency, scalability, and revenue performance. You’ll play a central role in advancing our payment capabilities, optimizing vendor partnerships, and ensuring our operations evolve alongside the needs of the business. You’ll thrive in this role if you bring a strong operational mindset, curiosity to challenge the status quo, and a collaborative approach to problem-solving. This is an opportunity to build, lead, and make a meaningful impact across the organization, with local travel in the Austin area as needed.

Requirements

• Minimum: Bachelor’s Degree and 5+ years of treasury experience; or the equivalent combination of education and experience, which demonstrates the knowledge, skills, and abilities to perform the job duties of this position.
• Successfully led and managed an operations team.
• Proven track record of developing future leaders of an organization.
• Ability to contribute immediately to strategies
• Positive, self-motivated, and team-oriented with a collaborative and proactive approach.
• Strong decision-making skills with the ability to lead change, support company growth, and embrace opportunities for personal and professional development.
• Applicants must be currently authorized to work in the U.S. on a full-time basis. This position does not offer visa sponsorship now or in the future.

Nice To Haves

• 8+ years of direct industry experience at a $2B+ bank.
• 5+ years of management experience.
• 4+ years in payments, cash management, or debit cards role.
• CFE, CAMS certification is a plus.

Responsibilities

• Own the end-to-end debit card program, including processing, lifecycle management, and ongoing optimization of performance, controls, and customer experience.
• Lead digital payment capabilities (e.g., tokenization, digital wallets) and partner with Fraud/Risk to balance security, authorization strategy, and client experience.
• Monitor and analyze card performance (usage, approvals, declines, adoption) to identify trends, resolve issues, and drive growth in activation and interchange revenue.
• Oversee network, processor, and regulatory changes (e.g., Visa mandates, EMV, BIN management), ensuring seamless execution and strong operational governance.
• Lead end-to-end Virtual Vault and cash operations, including setup, processing, reconciliation, and service delivery across branches and commercial clients.
• Manage cash positioning, ordering, and logistics across the Federal Reserve and armored carrier network to ensure accuracy and efficiency.
• Own key vendor relationships (e.g., armored carriers, vault providers, card networks), including pricing, performance management, and issue escalation.
• Partner cross-functionally (Treasury, Accounting, Retail, Fraud) to support cash and card services while driving continuous operational improvement.
• Lead and develop a high-performing team, fostering accountability, collaboration, and operational excellence.
• Serve as a hands-on leader and strategic partner, contributing to enterprise initiatives and driving continuous improvement across the organization.
• Other duties as assigned and/or taken on.

Benefits

• Health coverage options including Medical, Dental, and Vision
• Wellness Program that incentivizes you with premium cost savings
• Employee Assistance Program to help you with life’s challenges
• Basic Group term Life and AD&D to protect you and your family
• The opportunity to become a shareholder of the Bank through our 401k Retirement Plan
• Discounts on Pet Insurance
• Time off policies meant to support your work-life balance

What This Job Offers

• Job Type: Full-time
• Career Level: Executive