Debit Card Services Associate

Heartland Bank and Trust Company; Quincy (IL); On-site; USD 25,000 - 34,000; Full time

Job summary

Heartland Bank and Trust Company is seeking a Debit Card Services Associate to analyze fraud and non-fraud disputes and process daily card control functions. The role requires adherence to bank policies, strong regulatory knowledge, and effective communication with branch staff.

The position focuses on accurate dispute decisions, provisional credits when needed, and monitoring card transmission activities. A high school diploma or GED is preferred.

Qualifications

• Knowledge of governmental debit card regulations and Visa rules.
• HS Diploma or GED preferred.
• Experience with debit card processing software.

Responsibilities

• Provide clear and concise debit dispute decisions within established guidelines.
• Complete provisional credit to customer's accounts, if required, and help management decide on potential changes to fraud rules.
• Answer inquiries received through help tickets and participate in Card Services phone queue.
• Communicate effectively with branch staff to obtain information needed for supporting documentation for dispute creation with our debit card processor.
• Monitor daily card order transmissions for errors and enter rush cards into CPI system.

Skills

Fraud dispute resolution

Debit card processing

Attention to detail

Regulatory knowledge

Customer service

Education

High School Diploma or GED

Job description

Wage Range: Min: $18.45, Mid: $21.49, Max: $24.54

A Brief Overview

The Debit Card Services Associate analyzes fraud, and non-fraud disputes and identifies potentially fraudulent situations. Responsible for processing the daily card control functions. Ensures efficiency and accuracy with the Bank's policies and procedures.

What you will do

• Provide clear and concise debit dispute decisions within established guidelines.
• Complete provisional credit to customer's accounts, if required, and help management decide on potential changes to fraud rules.
• Answer inquiries received through help tickets and participate in Card Services phone queue.
• Communicate effectively with branch staff to obtain information needed for supporting documentation for dispute creation with our debit card processor.
• Monitor daily card order transmissions for errors and enter rush cards into CPI system.

Other Qualifications/Requirements

• Maintain thorough knowledge of all governmental debit card regulations and Visa rules.
• Maintain thorough knowledge of all internal and external software and processes used for debit card processing.
• H.S. Diploma or GED preferred or equivalent combination of education and experience.

Who We Are

Heartland Bank and Trust Company is headquartered in Bloomington, Illinois. With 70+ locations throughout Illinois and Eastern Iowa, Heartland continues to grow and is committed to preserving strong ties to our communities, customers, employees, and shareholders.

Heartland Bank’s mission is “create value for the customer, earn a profit for the Bank, and have fun doing it!” At Heartland, employees have the opportunity to make a difference every day.

What We Offer

At Heartland Bank, we offer a competitive benefits package to provide you with peace of mind.

Physical Demands

• Regularly: Sitting, Feeling/Touching, Talking, Hearing, Vision - close peripheral, depth
• Frequently: Standing, Walking, Grasping/Reaching - with arms and hands, Repetitive Motions
• Occasionally: Climbing and/or Balancing, Stooping, Kneeling, Crouching, and/or Crawling, Lifting (30 lbs.)

Equal Opportunities and Accommodations Statement

Heartland Bank is deeply committed to creating a workplace where inclusion is not only valued but prioritized. We’re proud to be an equal opportunity employer, seeking to create a welcoming and diverse environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity or expression, family status, marital status, sexual orientation, national origin, genetics, disability, age, or any other non-merit based or legally protected grounds.

Salary Disclaimer

The salary range represents the range of possible compensation at the time of posting. Heartland Bank considers several factors when extending an offer, including but not limited to, the role and associated responsibilities, a candidate’s work experience, education/training, key skills, and internal equity.

The salary range minimum, midpoint, and maximum listed above represent a full range of career compensation growth over time in this position and pay grade. Starting pay typically starts between minimum and midpoint upon hire. The Bank offers compensation growth opportunities within its career architecture.