Card Services Leader: Debit, Credit & Risk Ops

Sr Manager, Card Services

The Sr Manager, Card Services provides strategic leadership and full operational accountability for the institution's debit, credit, and prepaid card programs. This role oversees end‑to‑end card operations, risk management, compliance, vendor performance, and team leadership while ensuring a secure, compliant, and high‑quality customer experience across all card services.

40

Responsibilities include but are not limited to:

• Provide end‑to‑end operational leadership for debit, credit, and prepaid card programs, overseeing issuance, processing, disputes, fraud operations, and full card lifecycle management to ensure stable, scalable, and compliant operations.
• Own card risk management and compliance governance, partnering with Risk, Fraud, Legal, and Compliance teams to ensure adherence to federal and state regulations, network rules, processor requirements, and internal control standards.
• Set strategic direction and drive continuous improvement by establishing policies, procedures, operating rhythms, and performance metrics that enhance efficiency, control integrity, and readiness for growth.
• Lead vendor, processor, and network relationships, holding partners accountable to contractual terms, SLAs, and regulatory obligations while managing third‑party risk and service quality.
• Serve as executive‑level subject‑matter expert for card systems, platforms, and products, providing guidance on card initiatives, enhancements, issue resolution, and domestic and international programs.
• Build and develop a high‑performing card services organization, leading a geographically distributed team, overseeing talent development and succession planning, and ensuring a strong customer experience through clear standards and accountability.

Required Skills:

• Expertise in the end‑to‑end card product life cycle management, including transaction flows, authorization, clearing, settlement, and chargebacks;
  Reg E dispute expertise also required.
• Experience with mergers & acquisitions, including card product/service transformations and processor or brand conversions.
• Expertise in federal and state regulations as they apply to regulated debit card programs and credit cards.
• Expertise in network operating rules and requirements related to card operations.
• Knowledge of basic rules and regulations as they relate to Deposit Operations.
• Knowledge of bank operational policies and procedures.
• Expertise in leading geographically dispersed teams.
• Ability to partner and collaborate with cross‑functional teams including vendors, stakeholders, and bank personnel.
• Expertise in building and maintaining comprehensive processes and procedures.
• Excellent communication and leadership skills.
• Ability to problem‑solve, troubleshoot, and handle high‑stress situations.
• Proficiency with card management systems, payment networks, network rules, and digital wallet technology.
• Be well organized, a team‑player, motivated, and flexible with working hours. The individual must be able to work independently, have strong leadership and project management skills, and prioritize work in a high‑volume environment.

Required Experience:

• Bachelor's degree in finance, business, or a related field and a minimum of 7 years within a financial industry in credit/debit card operations.

Preferred Experience:

• Experience with Visa, Master Card, NYCE, and FIS card processing.

Full‑time

Exempt

925 Allwood Rd, Clifton, New Jersey 07012, United States

We offer a comprehensive and competitive total rewards package including base salary, commission‑based compensation, discretionary incentive compensation, health care, retirement savings options, tuition reimbursement, paid time off, mental health support, and other benefits.

$98,400.00 - $ / year

In order to support the Fair Compensation Strategy by the U.S. Government, employers are required to list salary ranges in job advertisements or postings for job opportunities and promotions.

Valley is an equal‑opportunity/affirmative action employer. All qualified applicants are encouraged to apply and will be considered for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected status or characteristic.

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