Payment Operations Specialist; Cards

First International Bank & Trust is seeking a Payment Operations Specialist (Cards) to join our Cards team. This role plays an important part in supporting the day‑to‑day operations of our credit and debit card services, as well as broader payment processing activities. From reviewing reports and processing maintenance requests to assisting with transaction and account activity, you’ll be a key contributor to service quality, operational accuracy, and risk management.

This is a great opportunity for someone who enjoys detailed work, values accuracy, and takes pride in doing things the right way. Whether you bring prior banking or card services experience, or a strong customer service background, we’re looking for someone who is dependable, adaptable, and eager to learn.

As a family‑owned and operated community bank, we focus on building long‑term relationships with our customers and within our communities. Our team offers a supportive, team‑oriented environment and plays an important role in maintaining service quality, managing risk, and supporting continued growth across the bank.

• Review reports to ensure accuracy of card and payment processes and complete maintenance needed to resolve errors.
• Monitor accounts and reports for fraudulent or suspicious activity and respond appropriately.
• Process incoming card and payment maintenance requests, returned mail/cards, and account updates.
• Support day‑to‑day transaction processing, reconciliation, and balancing activities, including ATM support.
• Assist with dispute and chargeback intake, documentation, and research.
• Provide professional, responsive service to internal and external customers with card and payment‑related questions.
• Follow policies, procedures, and internal controls while maintaining a high level of accuracy and professionalism.

• Associate degree or equivalent from a two‑year college or technical school preferred; or 1–2 years of related experience in card services, payment operations, customer service, or a banking environment; or an equivalent combination of education and experience.
• Familiarity with payment rails such as ACH, RTP, Fed Now, or wire transfers, and/or card network rules (Visa/Mastercard) preferred.
• Strong communication and customer service skills with a professional approach.
• Attention to detail and ability to work accurately in a fast‑paced environment.
• Reliability, professionalism, and a team‑focused mindset.
• Willingness to learn and build knowledge of payment processes and systems.

• Health, Dental & Vision
• 401K Retirement Plan with Employer Match
• Paid Parental Leave
• Life and Disability Insurance
• Generous PTO and Holiday pay

Salary Range: $20 - $28/hr DOE

Locations:

• Edina, MN
• Fargo, ND
• Sioux Falls, SD
• Mandan, ND

First International Bank & Trust is an Equal Opportunity Employer.