Credit Card Operations Clerk controls the issuance and renewal of credit cards by the organization. Maintains inventory of blank cards and sends cards to be imprinted as needed. Being a Credit Card Operations Clerk verifies names and account numbers on cards and mails completed cards to customers. May require a high school diploma or its equivalent. Additionally, Credit Card Operations Clerk typically reports to a supervisor. The Credit Card Operations Clerk possesses a moderate understanding of general aspects of the job. Works under the close direction of senior personnel in the functional area. May require 0-1 year of general work experience. (Copyright 2024 Salary.com)
Responsible for daily oversight of the Card Services functions within the Operations department. This includes the credit union’s debit card program and all related services. Wide-ranging operational responsibilities include, but are not limited to dispute resolution, settlements and posting files, and periodic reconciliations. Acts as primary subject matter expert (SME) while providing technical, system and equipment expertise to all stakeholders personally and through subordinates. Collaborates with internal departments and vendors in driving program effectiveness, and participate in departmental and organizational projects. Provides work direction to others, as assigned.
ESSENTIAL DUTIES AND RESPONSIBILITIESCultivate and inspire a culture that is aligned with BluPeak’s Purpose, Vision and Values. Support the organizations Strategic Themes and Digital First Mindset.
Provides work direction and mentors department staff, and provides hands on training and development to ensure new and existing staff have the requisite knowledge and skills for department related duties. Provides coaching to aid with increasing understanding and ensure consistent application of policies and procedures. May assist with project and process research and make and support related recommendations. Identifies and articulates opportunities for efficiency gains within the department.
Adheres to and maintains all relevant operational procedures, ensuring compliance with approved credit union policies and procedures and governing federal and state laws, rules and regulations. Document new and revised procedures for policy & procedure development, utilizing regulatory resources and ensuring approval from related departments and stakeholders such as Compliance and Risk.
With direction, supervise the functions of the Card Services area. This may include daily settlement and posting files, monthly GL reconciliation, quarterly dues and certifications, instant issue credit and debit card management, and card loss prevention and mitigation. Provide support and back-up to staff, ensuring department work assignments are completed within established timeframes. This may include claims, card orders, and maintenance.
Ensure compliance with all related regulations. Review operating practices and procedures, making recommendations for increasing service quality, reducing risk and establishing or improving internal controls. Write or participate in writing departmental procedures.
At the direction of the VP, Operations and Payments and/or the AVP, Central Operations, may coordinate activities related to plastics and carriers, instant issue, claim processing and fraud management. Participates in assigned department and/or corporate projects, will build and maintain partnerships with third party vendors, and may attend offsite visits to branch locations, SEG locations and vendor locations.
Train, direct and evaluate employee performance. Use performance standards/metrics to guide employees to optimum performance, and administer disciplinary action as necessary. Interview, hire, recommend promotions/transfers and salary. Ensure staff adheres to established credit union policies and procedures, governing rules, regulations and laws. Maintain a high level of service to members directly and through support of retail, contact center and other departmental operations. Maintain security and confidentiality.
Will coordinate the assigned tasks of subordinates, including responsibilities such as review and action on daily and other periodic reports, claims and fraud processes, financial settlement, and cardholder servicing. May fill-in or complete those tasks, as needed.
Maintain current knowledge of rapidly evolving card industry products and the payments industry. Participate in card development projects by partnering with various internal departments. May take the lead on projects and/or assist in projects as a team member. Provides support and back-up to department work units to ensure department work assignments are completed within established timeframes. Participate and support the setting of business requirements and processes for product initiatives, and act as subject matter expert. Help drive and actively participate in process improvements that enhance members and staff experience, and create efficiencies.
Completes annual compliance training, and complies with business continuity and vendor management policy. These are crucial to the success of the organization and have regulatory compliance and/or safety and soundness for the sustainability of the credit union.
Adhere to company policy and procedure, complete annual compliance training, and comply with business continuity and vendor management policy. These are crucial to the success of the organization and have regulatory compliance and/or safety and soundness for the sustainability of the credit union.
SUPERVISORY RESPONSIBILITIES Directly supervises Card Services Specialists. Participates in the performance evaluation process and make recommendations for goals. Responsibilities included oversight and monitoring of departmental workflows. Works closely with AVP, Central Operations to ensure that compliance, procedural and operational standards are met, and that operational issues are escalated and resolved in a timely manner. Will provide feedback related to performance of staff, guide and mentor assigned staff.
Acts as subject matter expert to department staff, and provides hands on training and development to ensure new and existing staff have the required knowledge and skills. At the direction of the Director Central Operations and/or VP Operations & Payments, reviews assigned daily work, records and reports to insure completeness, accuracy, and timeliness.
EDUCATION and/or EXPERIENCE Bachelor’s degree and/or five years related experience in Card Services, or equivalent combination of education and experience. Must have a minimum of 5 years’ experience in Card Services Department in a similar role. Previous supervisory experience. Financial institution experience preferred.
Interpersonal skills including but not limited to team building, motivating and influencing others, maintaining a significant level of trust and diplomacy, fostering internal and external business relationships. Must have great verbal and written communication skills. Written and verbal communication skills which support effective communication of information to groups of managers, clients, customers, and the general public. Ability to read, interpret, analyze and communicate with all levels of staff on a variety of topics, including but not limited to general business, policies, procedures, laws and regulations. Ability to write reports, business correspondence, and policies and procedures.
Ability to interact with all levels of staff and management. To perform this job, the employee must possess strong interpersonal skills, good phone and e-mail etiquette, a professional presentation, and a high degree of personal initiative. Must be able to work during regular business hours and occasional nights or weekends as needed to meet production deadlines.
TECHNOLOGY PROFICIENCYTo perform this job, the employee must possess applicable technology skills and demonstrated expertise. Ability to use Microsoft Office applications, as well as the ability to learn new applications quickly; requires general knowledge of network and database use. M must be familiar with general accounting principles and have the ability to interpret invoices, and track expenses and income in a detailed manner.
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