Card Operations - Card Operations Sr Specialist

Golden1; Sacramento (CA); On-site; USD 34,991 - 37,195; Full time

Benefits offered by this job

Market-competitive compensation

Work-life balance programs

Career development opportunities

Job summary

Golden1 in Sacramento is looking for a Card Operations Sr Specialist to lead operational excellence in card functions and mentor team members. You'll manage complex issues, ensure quality compliance, and collaborate across departments.

The ideal candidate will have a Bachelor's degree in Business or Finance, 5+ years in credit/debit card operations, and strong customer service experience. This role is foundational in maintaining high-quality card operations and supports the overall mission of fostering financial inclusion.

Qualifications

• 5+ years in credit/debit card operations or financial services required.
• 5+ years of customer service experience, ideally in banking, call center, or financial operations required.

Responsibilities

• Lead resource and mentor for Card Operations staff.
• Provide escalation support for complex operational workflows.
• Monitor daily production activities and evaluate output for quality.
• Develop and maintain departmental procedures.
• Support project execution for operational readiness.

Skills

Operational excellence

Mentoring

Analytical insight

Compliance

Problem-solving

Education

Bachelor’s Degree in business administration, Finance, or related field

H.S. Diploma or GED

Tools

Client Central

DataSafe

Verafin

LoansPQ

eSign+

CW3

Microsoft Office (excluding Excel)

Job description

Card Operations - Card Operations Sr Specialist

Job Description

Posted Thursday, June 4, 2026 at 10:00 AM

Job Title: Card Operations Sr Specialist

Status: Non-exempt

Reports to: Supervisor - Card Operations

Department: Card Operations

Job Code: 1766

Pay Range: $25.40 - $27.00 Hourly

WHO WE ARE

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE

You lead operational excellence within Card Operations by providing advanced subject-matter expertise, workflow oversight, and day‑to‑day leadership that ensures consistent, high-quality execution across all credit and debit card functions. You are a trusted technical and operational leader who mentors and develops team members, manages complex escalations, evaluates production quality, and applies analytical insight to identify risks, improve processes, and maintain audit readiness. You collaborate strategically across departments and with vendors to align operational execution with enterprise goals, support system enhancements and projects, translate performance insights into actionable improvements, and set the standard for accuracy, compliance, and continuous improvement.

WHAT YOU'LL DO

• Serve as a lead resource and mentor for Card Operations staff, providing advanced training, guidance, and subject matter support on policies, tools, procedures, and best practices across all credit and debit card functions.
• Provide escalation support for complex operational workflows and high-risk member services issues, ensuring timely, accurate, and policy-aligned resolutions while maintaining operational continuity.
• Monitor daily production activities, assign and balance workloads, evaluate output for quality and compliance, and ensure adherence to performance expectations, service levels, and departmental controls.
• Partner with the Technical Writing team to research, develop, enhance, and maintain departmental procedures, ensuring documentation is current, compliant, accessible, and aligned with operational and regulatory standards.
• Collaborate with the Senior Specialist peer (Credit or Debit counterpart) to ensure alignment on operational practices, workflow improvements, training approaches, team engagement strategies, and overall consistency across card functions.
• Support Card Operations Administration and leadership teams on project execution, including operational readiness, test data preparation, impact analytics, and rollout of new functionality, tools or process.
• Conduct internal audits, targeted reviews, and ongoing monitoring activities, investigating out-of-balance conditions and complex discrepancies within credit and debit general ledger accounts and recommending corrective action.
• Ensure strict adherence to security, privacy, and confidentiality protocols, reinforcing standards related to cardholder data protection, access controls, and regulatory/compliance requirements.
• Lead or support system testing, validation, and production verification for platform updates, network changes, vendor enhancements, and issue remediation efforts.
• Identify operational gaps, analyze root causes, and recommend or implement improvements.
• Assist in developing and maintaining credit and debit card policies, procedures, and process documentation.
• Maintain up-to-date knowledge of card operations, industry regulations, security standards, and internal compliance expectations.
• Support employee performance through coaching, feedback, and skill development recommendations.
• Participate in internal and external training programs to build expertise across all card products.
• Utilize operational tools and platforms including Client Central, DataSafe, Verafin, LoansPQ, eSign+, CW3, and Microsoft Office (excluding Excel).
• Perform other duties as assigned.

QUALIFICATIONS AND PREFERENCES

• H.S. Diploma or General Education Degree (GED) required
• Bachelor’s Degree in business administration, Finance, or a related field; or an equivalent combination of education and related work experience required
• 5+ years in credit/debit card operations or financial services required
• 5+ years of customer service experience, ideally in banking, call center, or financial operations required

WHY JOIN US

Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed to a total rewards philosophy built on a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.

LEGAL

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.