Card Services Specialist

Description

CORE VALUES:
Park State Bank’s Core values are GROWTH, TEAMWORK, RESPONSIVE, TRANSPARENT, And INNOVATIVE. We endeavor to live by these values in all that we do!

MISSION:
The mission of Park State Bank is to deliver exceptional client service, strategic banking solutions and a community-friendly experience.

Position Summary

The Card Services Specialist is an important operational resource within Card Services, taking ownership of assigned responsibilities, supporting day-to-day priorities, and ensuring card-related activities are handled accurately, consistently, and with strong follow-through.

This dynamic role offers the opportunity to develop broad expertise across debit, credit, prepaid, HSA, and ATM card services while serving as a trusted resource for card-related inquiries, dispute operations, and evolving departmental needs.

The ideal candidate is a dependable, adaptable, and detail-oriented professional who thrives in a fast-paced environment. They remain calm under pressure, effectively prioritize competing demands, and balance speed with accuracy. Success requires sound judgment, clear communication, initiative, a collaborative mindset, a willingness to learn and contribute across Card Services operations, and the ability to embrace change while supporting the bank’s strategic direction.

Primary Responsibilities

• Support card inquiries and operational questions by providing knowledgeable guidance, timely assistance, and clear communication to ensure effective resolution and follow-through.
• Process debit and ATM card disputes in accordance with Regulation E, applicable Visa rules, and bank procedures, including claim review, correspondence, provisional credit, chargebacks, recovery efforts, documentation, and final resolution notices.
• Monitor disputes processed by service providers to ensure timely, accurate, and compliant handling; review reports and track recovery and loss activity through resolution.
• Support credit card fraud and dispute activity, including case review, service-provider closeout packages, general ledger loss posting, recoveries, and centralized documentation retention.
• Review fraud alerts, CAMS activity, compromised card notifications, and operational exception reports; assess risk and coordinate appropriate action in response to emerging threats and evolving operational priorities.
• Preform and support daily card servicing operations, including card maintenance, credit card payment processing, account closures, card reissuance, returned mail, and resolution of servicing exceptions.
• Review daily card reports and assist with gathering departmental data to support card operations and reporting needs.
• Maintain complete, accurate, and organized case documentation to support customer communication, audits, complaints, examinations, and internal reporting.
• Identify recurring issues, control gaps, or inefficient processes and recommend practical improvements that strengthen service, compliance, and operational consistency.

Additional Responsibilities

• Maintain current knowledge of card regulations, network rules, industry trends, Bank standards, and relevant compliance requirements through ongoing training and professional development.
• Actively participate in cross-training and knowledge sharing across Card Services functions to strengthen team versatility, service continuity, and responsiveness to evolving departmental needs.
• Partner professionally with employees, management, customers, and service providers.
• Perform other duties and projects as assigned in support of Card Services and Bank operations.

Qualifications

Experience:

At least one year of banking, financial services, card operations, fraud, disputes, or a closely related field preferred.

Technology:
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