What are the responsibilities and job description for the BANKCARD SPECIALIST position at Hawthorn Bank?
SUMMARY
This position will work with the digital banking and payments sector of the financial industry. This role focuses on bankcard processing, account maintenance, fraud monitoring, and regulatory compliance while delivering excellent service to internal and external customers. Work is performed within the framework of standard operating policies and procedures; however, independent judgment and discretion is required in performing assigned tasks. Deviations from normal procedures and/or questions are referred to the designated supervisor.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.
Process credit card applications, including account setup, credit line adjustments, and cardholder maintenance.
Handle credit and debit card issuance, activations, PIN resets, and reissues for lost or stolen cards.
Monitor credit card transactions for potential fraud and unusual activity, escalating cases as necessary.
Assist customers with inquiries related to credit card payments, billing statements, and transaction history.
Ensure timely processing of credit card payments, chargebacks, and account adjustments.
Manage and balance various internal credit card accounts and process settlements daily; work with various teams to ensure all is balanced out.
Work closely with our processor to open cases and follow up on issues on customer/corporate level.
Review, respond, and forward email correspondence received in the bank’s generic inboxes.
Maintain accurate records of credit card account activity, fraud investigations, and compliance reporting.
Performing monthly and quarterly reporting.
Assist in audits and regulatory reviews related to credit card operations.
Confidentiality is required in all phases of employment.
Ensure compliance with industry regulations, including Regulation Z (Truth in Lending Act), PCI DSS (Payment Card Industry Data Security Standard), and internal policies.
Comply with all banking regulations, policies, and procedures.
NON-ESSENTIAL DUTIES & RESPONSIBILITIES include the following. Other duties may be assigned.
Maintain education and professional expertise through attendance at job related seminars, conferences, and workshops.
SUPERVISORY RESPONSIBILITIES
None.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION and/or EXPERIENCE
Possess a two-year associate’s degree from an accredited university or institution in business, accounting, finance, or other closely related field. Professional work experience may be substituted on a year-for-year basis for the minimum education requirement.
Possess a minimum of at least three years of professional work experience in a closely related field.
LANGUAGE SKILLS
Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures or governmental regulations. Ability to write reports, business correspondence and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public both face-to-face and over the telephone.
MATHEMATICAL SKILLS
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
REASONING ABILITY
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.
OTHER SKILLS AND ABILITIES
Must have the ability to operate the following equipment: telephone, PC and printer, copy machine, calculator and fax machine. Must have working knowledge of spreadsheet, word processing and database software programs. Advanced PC knowledge. Knowledge of ATM hardware required.
KEY CONTACTS -- Internal and External
Has frequent contact with all bank personnel, customers, non-customers and various vendors.
CERTIFICATES, LICENSES, REGISTRATIONS
Valid driver's license.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to walk; sit and use hands to finger, handle or feel. The employee is occasionally required to stand; reach with hands and arms; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
COMMENTS
Position requires some travel to attend various training, educational programs or other job-related events. Position may require the ability to work before and/or after normal business hours.
This position will work with the digital banking and payments sector of the financial industry. This role focuses on bankcard processing, account maintenance, fraud monitoring, and regulatory compliance while delivering excellent service to internal and external customers. Work is performed within the framework of standard operating policies and procedures; however, independent judgment and discretion is required in performing assigned tasks. Deviations from normal procedures and/or questions are referred to the designated supervisor.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.
Process credit card applications, including account setup, credit line adjustments, and cardholder maintenance.
Handle credit and debit card issuance, activations, PIN resets, and reissues for lost or stolen cards.
Monitor credit card transactions for potential fraud and unusual activity, escalating cases as necessary.
Assist customers with inquiries related to credit card payments, billing statements, and transaction history.
Ensure timely processing of credit card payments, chargebacks, and account adjustments.
Manage and balance various internal credit card accounts and process settlements daily; work with various teams to ensure all is balanced out.
Work closely with our processor to open cases and follow up on issues on customer/corporate level.
Review, respond, and forward email correspondence received in the bank’s generic inboxes.
Maintain accurate records of credit card account activity, fraud investigations, and compliance reporting.
Performing monthly and quarterly reporting.
Assist in audits and regulatory reviews related to credit card operations.
Confidentiality is required in all phases of employment.
Ensure compliance with industry regulations, including Regulation Z (Truth in Lending Act), PCI DSS (Payment Card Industry Data Security Standard), and internal policies.
Comply with all banking regulations, policies, and procedures.
NON-ESSENTIAL DUTIES & RESPONSIBILITIES include the following. Other duties may be assigned.
Maintain education and professional expertise through attendance at job related seminars, conferences, and workshops.
SUPERVISORY RESPONSIBILITIES
None.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION and/or EXPERIENCE
Possess a two-year associate’s degree from an accredited university or institution in business, accounting, finance, or other closely related field. Professional work experience may be substituted on a year-for-year basis for the minimum education requirement.
Possess a minimum of at least three years of professional work experience in a closely related field.
LANGUAGE SKILLS
Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures or governmental regulations. Ability to write reports, business correspondence and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public both face-to-face and over the telephone.
MATHEMATICAL SKILLS
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
REASONING ABILITY
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.
OTHER SKILLS AND ABILITIES
Must have the ability to operate the following equipment: telephone, PC and printer, copy machine, calculator and fax machine. Must have working knowledge of spreadsheet, word processing and database software programs. Advanced PC knowledge. Knowledge of ATM hardware required.
KEY CONTACTS -- Internal and External
Has frequent contact with all bank personnel, customers, non-customers and various vendors.
CERTIFICATES, LICENSES, REGISTRATIONS
Valid driver's license.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to walk; sit and use hands to finger, handle or feel. The employee is occasionally required to stand; reach with hands and arms; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
COMMENTS
Position requires some travel to attend various training, educational programs or other job-related events. Position may require the ability to work before and/or after normal business hours.