Card Services Specialist

Park State Bank; Duluth (MN); On-site; USD 42,000 - 64,000; Full time

Job summary

Park State Bank is seeking a Card Services Specialist to own day-to-day card servicing tasks, including disputes, fraud monitoring, and resolution. The role develops expertise across debit, credit, prepaid, HSA, and ATM card services, serving as a knowledgeable resource for inquiries and operational needs.

The ideal candidate is dependable, adaptable, and detail-oriented, thriving in a fast-paced environment with strong judgment and communication skills.

Qualifications

• At least one year in banking or card operations preferred.
• Proficiency with Word, Excel, Teams and Outlook required; card-processing experience preferred.

Responsibilities

• Assist with card inquiries and operational guidance.
• Process debit and ATM card disputes per Regulation E and Visa rules.
• Monitor disputes and track recovery and loss activity.
• Support fraud and dispute activity with case reviews and documentation.
• Review fraud alerts and CAMS activity; take appropriate action.
• Perform and support daily card servicing operations.
• Maintain organized case documentation.
• Identify issues and recommend improvements.

Skills

Analytical skills

Attention to detail

Communication

Judgment

Independence

Adaptability

Education

High school diploma or GED

Tools

Microsoft Word

Excel

Teams

Outlook

Card-processing systems

Job description

Description

Park State Bank’s core values are GROWTH, TEAMWORK, RESPONSIVE, TRANSPARENT, and INNOVATIVE. We endeavor to live by these values in all that we do!

MISSION

The mission of Park State Bank is to deliver exceptional client service, strategic banking solutions and a community-friendly experience.

Position Summary

The Card Services Specialist is an important operational resource within Card Services, taking ownership of assigned responsibilities, supporting day-to-day priorities, and ensuring card-related activities are handled accurately, consistently, and with strong follow-through.

This dynamic role offers the opportunity to develop broad expertise across debit, credit, prepaid, HSA, and ATM card services while serving as a trusted resource for card-related inquiries, dispute operations, and evolving departmental needs.

The ideal candidate is a dependable, adaptable, and detail-oriented professional who thrives in a fast-paced environment. They remain calm under pressure, effectively prioritize competing demands, and balance speed with accuracy. Success requires sound judgment, clear communication, initiative, a collaborative mindset, a willingness to learn and contribute across Card Services operations, and the ability to embrace change while supporting the bank’s strategic direction.

Primary 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.

Additional Responsibilities

• Maintain current knowledge of card regulations, network rules, industry trends, Bank standards, and relevant compliance requirements through ongoing training and professional development.
• Actively participate in cross-training and knowledge sharing across Card Services functions to strengthen team versatility, service continuity, and responsiveness to evolving departmental needs.
• Partner professionally with employees, management, customers, and service providers.
• Perform other duties and projects as assigned in support of Card Services and Bank operations.

Qualifications

Experience

At least one year of banking, financial services, card operations, fraud, disputes, or a closely related field preferred.

Technology: Proficiency with Microsoft Word, Excel, Teams and Outlook is required. Experience with card-processing, banking, dispute management, fraud-monitoring, or case-management systems preferred.

What Will Help You Succeed

• Strong analytical and problem-solving skills, including the ability to research incomplete or conflicting information and reach a well-supported resolution.
• Exceptional attention to detail and the ability to manage deadlines, required notices, and multiple active cases without losing follow-through.
• Clear, professional, and respectful written and verbal communication with customers, coworkers, management, and vendors.
• Good judgment, discretion, and a strong commitment to protecting confidential customer and Bank information.
• Ability to work independently while knowing when to coordinate, ask questions, or elevate higher-risk matters.
• Resourcefulness, initiative, adaptability, and a willingness to challenge existing processes constructively.
• A steady, customer-focused approach in fast-paced or stressful situations.

Performance Expectations

• Meet regulatory, network, provider, and internal deadlines for disputes, notices, chargebacks, recoveries, and case resolution.
• Maximize eligible recovery opportunities while maintaining accurate loss and recovery records.
• Deliver well-documented, compliant, and customer-focused outcomes that reduce Bank risk and support a positive cardholder experience.
• Complete assigned work accurately and within established timeframes, while communicating status and barriers promptly.
• Demonstrate Park State Bank’s core values and standards in interactions and decision-making.

WORKING CONDITIONS:

Will need to be able to handle stressful situations and function in a very fast-paced environment while remaining calm and precise. Must have excellent interpersonal and organizational skills and enjoy working with the public. Will need to communicate in a clear, concise, and pleasant manner.

May, on occasion, have to work longer hours than scheduled.

Must be able to meet deadlines, multi-task and adjust priorities as necessary. Must possess strong organizational, analytical, communication, and interpersonal skills, including the ability to work with all levels of management and the Bank’s vendors. Must be a self-starter who challenges existing processes and can identify and implement efficiencies and cost-saving solutions. Will have access to and knowledge of all employees’ accounts, client information, and the bank’s finances, so the ability to keep information confidential is extremely important.

The employee will be working in an indoor office setting in a light work situation (exerting up to 20 lbs. of force frequently, and/or a negligible amount of force constantly to move objects). Must be able to remain in a stationary position 50% of the time and be able to occasionally move about inside the office to access file cabinets, office machinery, etc. Constantly operates a computer and other office productivity equipment. Employee frequently communicates with employees, clients and vendors. Will be required to travel to branches within region on a weekly basis, so must have a valid driver’s license and reliable transportation. Must be able to exchange accurate information both orally and written in English.

Despite ongoing security training, there is always the possibility of a bank robbery.

WORK LOCATIONS:

Please note that we are hiring for only one position, although this opportunity is posted in multiple markets where Park State Bank is located.

We are always on the lookout for talented people to help us become the best. Please review the available office locations below.

NEMN MARKET: Hibbing, Chisholm, Cook, Orr, Grand Rapids, Virginia & Biwabik

DULUTH/NORTH SHORE MARKET: Duluth, Hermantown, Two Harbors

MINNEAPOLIS MARKET: Minneapolis

General Notice

This job description is intended to describe the general nature and level of work performed. It is not a comprehensive list of all duties, responsibilities, or qualifications. Responsibilities may be modified or assigned based on business needs. Park State Bank is committed to providing equal employment opportunities in accordance with applicable law.

Requirements

Education

High school diploma or GED required.