Debit Card Payment Risk Specialist

Busey Bank; Edwardsville (IL); Hybrid; USD 26,000 - 32,000; Full time

Benefits offered by this job

401(k) match

Paid time off

Medical, dental, vision

Job summary

Busey Bank is seeking a Debit Card Payment Risk Specialist to manage debit card payment exceptions, escalations, and reconciliations within set timeframes to mitigate risk.

You will analyze complex electronic payment exceptions, perform outbound calls, and support Consumer, Business, and HSA Debit Card services while assisting with training new hires in related departments.

Qualifications

• Experience with debit card payments and related risks preferred.
• Ability to analyze complex electronic payment exceptions and resolve issues.
• Strong communication and interpersonal skills for coordination with partners and clients.

Responsibilities

• Resolve debit card payment exceptions and disputes with internal teams.
• Reconcile debit card GL accounts and process adjustments.
• Process fraud and ATM disputes and issue provisional credits as required by regulations.
• Balance settlement accounts daily and coordinate with card processors.
• Monitor ATMs and coordinate service calls when needed.

Skills

Debit card payments

Risk awareness

Analytical thinking

Communication skills

MS Excel

MS PowerPoint

Education

High School diploma or equivalent

Tools

MS Office

MS Excel

MS PowerPoint

Job description

Position Summary

As a Debit Dard Payment Risk Specialist for Busey, you will be responsible for handling debit card payment exceptions, escalations, and reconciliations related to debit card transactions, within established timeframes to mitigate risk.

As well as executing and improving upon our growing Debit Card Services.

Independently analyze, research, and process complex electronic payment exceptions and requests in accordance with applicable operating rules and regulatory guidelines.

Perform outbound calls to clients and internal departments to resolve exceptions.

The Card Services Risk Specialist is responsible for enhancing the customer experience through supporting all services and issues related to Consumer, Business, and HSA Debit Cards.

ATM services, including disputes, balancing, and monitoring cash flows are also part of this position.

The position requires good communication skills to communicate with partners and clients potentially through email and phone.

This position may be responsible for assisting with training new hires both in the department and in other departments that support Debit Card Dispute functions.

Duties & Responsibilities

• Work with Deposit Services, Digital Channels, Information Services, Accounting, Fraud, BSA/AML, Vendors and Clients to resolve any processing, reconcilement discrepancies, and disputes.
• Reconcile debit card General Ledger accounts, process adjustments, returns and recoveries.
• Process debt card fraud disputes and ATM disputes, issuing provisional credit timely in accordance with Federal regulations.
• Process funds as they are received from card processor and issue credit to customers that have had card issues in accordance with federal regulations.
• Balance Busey settlement account daily for related debit card dispute findings and process appropriate tickets to general ledger accounts, as needed.
• Monitor ATMs for functionality and positive balances, communicating with the appropriate specialists for researching, correcting and reporting variances, and placing service calls for ATMs when necessary.

Education & Experience

Knowledge of: General banking knowledge in the areas of payment, risk, and payment fraud.

Strong accounting acumen to be able to assist in balancing activities.

Job-specific knowledge that is necessary to provide the appropriate quantity and quality of work in a timely and efficient manner.

MS Office tools including expert knowledge of MS Excel, MS PowerPoint.

Ability to: Interact effectively with others to establish and maintain smooth working relations demonstrating excellent interpersonal relations Demonstrate responsible personal and professional conduct, which contributes to the overall goals and objectives of Busey.

Display ability to review and analyze data reports and manuals; must be computer proficient.

Challenge the status quo and promoting positive change.

Education and Training: High School diploma and/or up to one-year related work experience - required Related experience to include a focus within operations, banking, or payments Payments experience preferred or specifically debit card transactions Requires knowledge of Microsoft Office

Pay and Benefits

Salary offered is based on factors, including but not limited to, the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance. (Base Pay Range: $19.00-23.00/hour)

Busey provides a competitive Total Rewards package in return for your time, talents, efforts and ultimately, results. Your personal and professional well-being—now and in the years to come—are important to us.

Busey’s Total Rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, short-term and long-term disability, wellness incentives and an employee assistance program. In addition, eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts. Visit Busey Total Rewards for more information.

Job Location

Busey offers diverse employment opportunities - both remote and onsite in Arizona, Colorado, Florida, Illinois, Indiana, Kansas, Missouri, New Mexico, Oklahoma and Texas.

We strive to place talent applicants in positions that fit both their skillset and career goals.

Equal Opportunity

Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey’s commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers to learn more about Busey’s Equal Opportunity Employment.

Core Values

Every day, our associates live Busey’s core values, doing better business, building stronger relationships and creating thriving communities—while delivering meaningful value to shareholders.