Junior Cards Operations Analyst (Durham)

Latino-Community-Credit-Union; North Carolina; On-site; USD 42,000 - 54,000; Full time

Benefits offered by this job

Employer-paid medical insurance

401(k) with company match

Life and disability plan

Generous paid time off

Job summary

Latino Community Credit Union in North Carolina is seeking a Junior Cards Operations Analyst to support daily debit and credit card operations, monitor transactions, and assist with dispute processing. This entry-level role offers exposure to reporting, data analysis, and process improvements while ensuring compliance with Reg E and Reg Z.

Ideal candidates possess attention to detail, curiosity, and strong communication skills to service members across channels.

Qualifications

• High School diploma or equivalent with some experience in card services or financial services.
• Familiarity with card networks rules and regulatory requirements (Reg E/Reg Z).
• Proficiency with card processing systems and dispute management platforms.
• Bilingual English/Spanish is a plus.

Responsibilities

• Support day-to-day card services operations (debit/credit transactions, authorizations, settlements).
• Assist with card dispute and chargeback processing following network rules.
• Monitor card activity for trends and potential fraud or operational issues.
• Prepare routine reports on card usage, losses, disputes, and metrics.
• Assist with data analysis, reconciliations, and ad hoc reporting requests.
• Support card program initiatives, vendor coordination, and system updates.
• Collaborate with accounting, lending, risk, and front-line teams to resolve issues.

Skills

Analytical skills

Attention to detail

Communication skills

Multitasking

Team player

Spanish language

Education

High School diploma

Equivalent education/experience

Tools

Dispute management platforms

Card processing software

Job description

Description

LCCU is hiring!

Your Contribution:

The Junior Cards Operations Analyst supports the daily operations and analysis of the Credit Union’s debit and credit card programs. This role assists with transaction monitoring, dispute processing, reporting, and process improvement initiatives to ensure efficient operations, regulatory compliance, and a positive member experience. The ideal candidate is detail-oriented, analytical, and eager to grow within financial services. This position is ideal for those starting a career in card operations and customer service. This is a multi-faceted position, ranging from complex problem-solving to great phone etiquette.

Essential Duties and Responsibilities:

• Support day-to-day card services operations, including debit and credit card transactions, authorizations, and settlement processes
• Serve as back up with card dispute and chargeback processing in accordance with network rules and regulatory requirements (e.g., Reg E, Reg Z)
• Monitor card activity for trends, exceptions, and potential fraud or operational concerns.
• Prepare and maintain routine reports related to card usage, losses, disputes, and operational metrics
• Assist with data analysis, reconciliations, and ad hoc reporting requests
• Support card program initiatives and projects, including product enhancements, vendor coordination, and system updates
• Work with cross-functional teams, such as accounting, lending, risk management, and front line to resolve issues and streamline processes.
• Respond to internal inquiries from branches, contact center staff, and back-office teams regarding card services
• Provide training to front office staff periodically on card services related topics
• Investigate and resolve issues related to card transactions, account discrepancies, and chargebacks, ensuring a timely and customer-focused resolution.
• Help document procedures and identify opportunities for process improvements and efficiencies
• Ensure compliance with Credit Union policies, card network rules, and applicable laws and regulations
• Perform other related duties as assigned s related to dispute management
• Perform other related duties as assigned

Requirements

Curious about joining our LCCU team? Here’s what you’ll need to bring along:

• High School’s degree in a relevant field or equivalent combination of education and experience.
• 0 to 2 years of experience in card services, credit card operations, or financial services industry, with a focus on credit/debit card products fraud prevention.
• Credit Union or banking experience preferred.
• Understanding of Visa rules, regulations, and compliance requirements including Reg E/Reg Z.
• Understanding of card network authorizations, fraud preventions systems preferred.
• Proficiency in card processing systems and software, as well as dispute management platforms.
• Bilingual with proficiency in English and Spanish is a plus.
• Excellent analytical skills and attention to detail, with the ability to analyze data, identify trends, and make data-driven decisions.
• Ability to manage multiple tasks and meet deadlines in a fast-paced environment
• Excellent communication and interpersonal skills, with the ability to interact effectively with stakeholders at all levels.
• Physical requirements: Must be able to sit for extended periods of time, use the computer and telephone to complete work, and lift up to 30 pounds at times.

LCCU is the perfect fit for you if:

• You are motivated to learn and grow into the best version of your professional and personal self.
• Your core values resonate with pursuing meaningful results to make a positive difference in your community.
• You thrive in an environment with team members who work from the heart. With employees from 20 different countries, we are a fun and multicultural team that comes together to embrace and learn from our differences. Organizational initiatives are constant.

What does LCCU have to offer you?

We provide a challenging and friendly work environment as well as a competitive salary and benefits package, including an employer-paid medical insurance plan, 401(k) plan (with a substantial company match), employer-paid life and disability plan, and generous paid time off to maintain a healthy work/life balance.

We foster a culture that incites creativity, encourages collaboration, and provides the opportunity for our employees to be their best and build their careers. Don’t wait! Come and experience the purpose that comes with being part of the movement toward a stronger, more inclusive community.

Latino Community Credit Union is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.