Card Operations Specialist: Mastering Settlement & Risk

Golden-1-Credit-Union; Manlove (CA); On-site; USD 31,808 - 35,128; Full time

Job summary

Golden 1 Credit Union is seeking a Card Operations Specialist to join our Card Operations team in California. This full-time role handles complex card processing, settlement activity, and operational exceptions across multiple systems, ensuring data integrity and compliant posting.

You will collaborate with cross-functional partners, mentor junior staff, and contribute to policy development and process improvements to enhance efficiency and member experience.

Qualifications

• HS Diploma or GED required.
• Associate’s Degree in Business Admin, Finance, or related field; or equivalent combination of education and related work experience.
• 3+ years in card operations or financial services required.

Responsibilities

• Respond to escalated member/internal inquiries related to credit and debit card transactions and servicing issues.
• Monitor card account activity, settlement reports, and network files for compliance with policies and network requirements.
• Analyze, post, and validate daily VISA and Mastercard settlement activity for consumer and business portfolios.
• Reconcile complex cardholder and GL activity; investigate discrepancies and resolve issues such as incorrect postings and settlement variances.
• Process advanced adjustments and conduct detailed research on issues like missing/duplicate payments, declined transactions, and reversals.
• Manage returned check adjustments, chargebacks, ATM/debit deposit discrepancies, and check copy requests.
• Resolve escalated issues involving authorized users, corporate card payments, and complex account configurations.
• Collaborate with internal partners and external financial institutions to provide complete, accurate resolutions.
• Educate team members on card features, decline codes, fraud prevention, and operations procedures.
• Maintain and update departmental procedures to align with regulatory changes and network rules.
• Assist in developing, revising, and implementing policies related to card operations for risk and efficiency.
• Participate in training programs and onboarding of new team members.

Skills

Card operations knowledge

Customer service experience

Education

High School Diploma or GED

Associate’s Degree in Business Administration, Finance, or related field

Job description

Golden 1 Credit Union is seeking a Card Operations Specialist to join our Card Operations team in California. This full-time role handles complex card processing, settlement activity, and operational exceptions across multiple systems, ensuring data integrity and compliant posting.

You will collaborate with cross-functional partners, mentor junior staff, and contribute to policy development and process improvements to enhance efficiency and member experience.