Card Services Specialist - Disputes, Fraud & Card Ops

Park State Bank; West Virginia (MN); On-site; USD 42,000 - 62,000; Full time

Job summary

Park State Bank is seeking a Card Services Specialist to join our Card Services team. You will own card inquiries, process disputes, monitor fraud, and support daily card operations across debit, credit, prepaid, HSA, and ATM services.

Ideal candidates are detail-oriented, adaptable, and able to balance speed with accuracy in a fast-paced environment, maintaining confidentiality and compliance with regulatory requirements.

Qualifications

• 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.

Responsibilities

• Support card inquiries and provide knowledgeable guidance to ensure effective resolution and follow-through.
• Process debit and ATM card disputes in accordance with Regulation E, Visa rules, and bank procedures, including claim review, provisional credit, chargebacks, recovery efforts, and final 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 documentation retention.
• Review fraud alerts, CAMS activity, compromised card notifications, and operational reports; assess risk and coordinate action.
• Perform and support daily card servicing operations, including card maintenance, payments, account closures, reissuance, returned mail, and servicing exceptions.
• Review daily card reports and assist with gathering departmental data to support operations and reporting.
• Maintain complete, accurate case documentation for customer communication, audits, complaints, examinations, and internal reporting.
• Identify recurring issues, control gaps, or inefficient processes and recommend practical improvements.

Skills

Analytical thinking

Attention to detail

Written and verbal communication

Time management

Education

High school diploma or GED

Tools

Microsoft Word

Microsoft Excel

Microsoft Teams

Outlook

Job description

Park State Bank is seeking a Card Services Specialist to join our Card Services team. You will own card inquiries, process disputes, monitor fraud, and support daily card operations across debit, credit, prepaid, HSA, and ATM services.

Ideal candidates are detail-oriented, adaptable, and able to balance speed with accuracy in a fast-paced environment, maintaining confidentiality and compliance with regulatory requirements.