Card Operations Specialist

Marshall Community Credit Union; Marshall (MI); On-site; USD 55,000 - 75,000; Full time

Job summary

Marshall Community Credit Union (MCCU) is seeking a Card Operations Specialist to join our cooperative team. You'll oversee settlements, reconciliations, chargebacks, fraud tracking, ATM operations, and card inventory, ensuring accurate processing for members and staff.

You’ll contribute to system testing, implementations, and process improvements, while maintaining documentation and training materials. The ideal candidate brings analytical skills, independent work habits, and strong

Qualifications

• Three years of financial institution experience in card services preferred.
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Responsibilities

• Serve as SME on settlement processing, reconciliations, adjustments, chargebacks, and fraud tracking.
• Process merchant and fraud chargebacks, disputes, provisional credits, and representments per card network rules.
• Handle daily and monthly settlement, balancing, and reconciliation activities; resolve discrepancies.
• Monitor Visa CAMS alerts and fraud tracking; follow up with members as needed.
• Research and resolve card-related issues for cardholders, staff, processors, and vendors.
• Process card requests and maintenance: new/replacement cards, limit increases, rate adjustments, balance transfers, updates.
• Manage card inventory: ordering, tracking, audits, and secure disposal.
• Maintain communication with processors, networks, vendors, and internal teams.
• Participate in system testing, upgrades, and conversions related to card services.
• Develop and maintain procedures, training materials, and operational documentation.
• Generate operational reports and provide backup support across Card Services.

Skills

Analytical

Problem-solving

Communication skills

Independent work

Team collaboration

Microsoft Office

Card processing systems

Education

High school diploma

College degree preferred

Tools

PSCU/Velera

NE Debit

Optis

Visa Dispute Resolution

Job description

Marshall Community Credit Union (MCCU) is seeking a cooperative individual who enjoys working in a supportive and collaborative environment to serve as a Card Operations Specialist. This person should be analytical and good at figuring things out independently, should enjoy a variety-filled workplace handling spontaneous issues as they arise. The Card Operations Specialist supports every aspect of MCCU's card services programs. This position is the go-to for settlements, reconciliations, adjustments, chargebacks, fraud tracking, ATM operations, and card inventory, helping keep our card services running smoothly for members and staff alike. They also have a hand in processor and network activities, system implementations, testing, and process improvements as we continue refining how we do things.

A Typical Week Might Include

• Serving as the subject matter expert on settlement processing, reconciliations, adjustments, chargebacks, and fraud tracking
• Processing and monitoring merchant and fraud chargebacks, disputes, provisional credits, and representments in line with card network and regulatory requirements
• Handling daily and monthly settlement, balancing, and reconciliation activities, including tracking down and resolving discrepancies
• Monitoring Visa CAMS alerts and other fraud tracking activities, including following up with members
• Researching and resolving card-related issues for cardholders, staff, processors, and vendors across debit, credit, and ATM services
• Processing card requests and maintenance: new and replacement cards, limit increases, rate adjustments, balance transfers, and account updates
• Managing card inventory, including ordering, tracking, audits, and secure disposal
• Maintaining communication and tickets with processors, card networks, vendors, and internal teams
• Participating in system testing, upgrades, and conversions related to card services
• Developing and maintaining procedures, training materials, and operational documentation
• Generating operational reports and providing backup support across Card Services as needed

Requirements

• High school diploma required; college degree preferred
• Three years of financial institution experience in card services or a related field preferred
• Experience with legacy PSCU/Velera platforms strongly preferred; experience with NE debit and Optis credit processing environments preferred
• Visa Dispute Resolution Certification preferred
• Working knowledge of applicable regulations, including Reg E, NACHA, BSA, Reg CC, and TISA
• Strong analytical, problem-solving, and troubleshooting skills, with sound judgment and attention to detail
• Excellent oral and written communication skills, delivered in a positive and diplomatic manner
• Ability to manage multiple tasks accurately in a fast-paced environment with frequent interruptions
• Ability to work independently and collaboratively within a team
• Proficiency with Microsoft Office and card processing systems

Marshall Community Credit Union is an Equal Opportunity Employer. We do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected characteristic in accordance with applicable law.