Card Services Pro — Disputes & Fraud Ops

Park State Bank; Two Harbors (MN); On-site; USD 45,000 - 65,000; Full time

Job summary

Park State Bank is seeking a Card Services Specialist to manage debit/credit activities, disputes, and fraud-related inquiries. The role requires meticulous attention to detail, strong communication, and the ability to work under pressure in a fast-paced environment.

Ideal candidates will have at least one year in banking or card operations, proficiency with Word/Excel/Teams/Outlook, and a collaborative mindset to support cross-functional card services tasks and continuous improvement efforts.

Qualifications

• At least one year of banking, financial services, card operations, fraud, disputes, or a closely related field preferred.
• Proficiency with Microsoft Word, Excel, Teams and Outlook is required. Experience with card-processing, banking, dispute management, fraud-monitoring, or case-management systems preferred.

Responsibilities

• Support card inquiries and operational questions by providing knowledgeable guidance, timely assistance, and clear communication to ensure effective resolution and follow-through.
• Process debit and ATM card disputes in accordance with Regulation E, applicable Visa rules, and bank procedures, including claim review, correspondence, provisional credit, chargebacks, recovery efforts, documentation, and final resolution notices.
• Monitor disputes processed by service providers to ensure timely, accurate, and compliant handling; review reports and track recovery and loss activity through resolution.
• Support credit card fraud and dispute activity, including case review, service-provider closeout packages, general ledger loss posting, recoveries, and centralized documentation retention.
• Review fraud alerts, CAMS activity, compromised card notifications, and operational exception reports; assess risk and coordinate appropriate action in response to emerging threats and evolving operational priorities.
• Preform and support daily card servicing operations, including card maintenance, credit card payment processing, account closures, card reissuance, returned mail, and resolution of servicing exceptions.
• Review daily card reports and assist with gathering departmental data to support card operations and reporting needs.
• Maintain complete, accurate, and organized case documentation to support customer communication, audits, complaints, examinations, and internal reporting.
• Identify recurring issues, control gaps, or inefficient processes and recommend practical improvements that strengthen service, compliance, and operational consistency.

Skills

Analytical skills

Attention to detail

Communication

Judgment

Independence

Adaptability

Customer-focused

Teamwork

Education

High school diploma or GED

Tools

Microsoft Word

Excel

Teams

Outlook

Job description

Park State Bank is seeking a Card Services Specialist to manage debit/credit activities, disputes, and fraud-related inquiries. The role requires meticulous attention to detail, strong communication, and the ability to work under pressure in a fast-paced environment.

Ideal candidates will have at least one year in banking or card operations, proficiency with Word/Excel/Teams/Outlook, and a collaborative mindset to support cross-functional card services tasks and continuous improvement efforts.