Card Services & Disputes Expert

Heritage Federal Credit Union, LLC; Northern (KY); Hybrid; USD 52,000 - 62,000; Full time

Job summary

Heritage Federal Credit Union is seeking a Card Services & Dispute Specialist to manage disputes across Card Services, Digital Banking, and Deposit Operations, ensuring timely and compliant resolutions for members and internal teams.

The role requires attention to detail, ability to analyze card-related data, and strong interpersonal skills to support branches and respond to inquiries about card products and services.

Qualifications

• High school diploma or equivalent; a bachelor’s degree in business, finance, or related discipline is advantageous but not required.
• Basic knowledge of card practices and policies.
• Intermediate Excel and Word knowledge.
• Previous experience with dispute processing and card processing is preferred but not required.

Responsibilities

• Accurately process dispute types in compliance with applicable regulations and network rules (e.g., Visa, Accel, Regulation E, NACHA), including debit and credit card transactions, ATM transactions, ACH entries, Zelle payments.
• Perform general ledger reconciliations related to dispute activity.
• Execute daily card maintenance in core banking and card systems (e.g., Fiserv, ARCOT, Visa).
• Process service events and requests related to card accounts.
• Support retail branches with card issuance logistics and inventory orders.
• Review and correct card creation data submitted by branches.
• Verify and reconcile plastic card orders and shipments.
• Complete Instant Issue reports and balance reconciliations.
• Monitor and respond to fraud alerts per established procedures to minimize member and institutional losses.
• Provide operational assistance to Deposit Operations as needed.
• Respond to inquiries from members and staff related to card products and services.

Skills

Critical Thinking

Detail oriented

Good interpersonal skills

Education

High school diploma

Bachelor's in business/finance (advantageous)

Tools

Excel

Word

Job description

Heritage Federal Credit Union is seeking a Card Services & Dispute Specialist to manage disputes across Card Services, Digital Banking, and Deposit Operations, ensuring timely and compliant resolutions for members and internal teams.

The role requires attention to detail, ability to analyze card-related data, and strong interpersonal skills to support branches and respond to inquiries about card products and services.