Card Operations Specialist: Settlements & Fraud Tracking

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

Job summary

Marshall Community Credit Union in Michigan seeks a Card Operations Specialist to join our cooperative, collaborative team. The position is analytical and requires independent problem solving while handling diverse card services tasks.

You will oversee settlements, reconciliations, chargebacks, fraud tracking, card inventory, and system improvements, working with processors, networks, and staff to keep card services smooth for members.

Qualifications

• 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 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.

Responsibilities

• Serve as subject matter expert on settlement processing, reconciliations, adjustments, chargebacks, and fraud tracking.
• Process and monitor merchant and fraud chargebacks, disputes, provisional credits, and representments in line with card network and regulatory requirements.
• Handle daily and monthly settlement, balancing, and reconciliation activities, including tracking down and resolving discrepancies.
• Monitor Visa CAMS alerts and other fraud tracking activities, including following up with members.
• Research 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.

Skills

Analytical thinking

Problem-solving

Troubleshooting

Communication skills

Multi-tasking

Teamwork

Microsoft Office

Card processing systems

Education

High school diploma

College degree preferred

Tools

PSCU/Velera platforms

Visa CAMS

Job description

Marshall Community Credit Union in Michigan seeks a Card Operations Specialist to join our cooperative, collaborative team. The position is analytical and requires independent problem solving while handling diverse card services tasks.

You will oversee settlements, reconciliations, chargebacks, fraud tracking, card inventory, and system improvements, working with processors, networks, and staff to keep card services smooth for members.