Payment Operations Specialist (Cards)

Payment Operations Specialist (Cards) First International Bank & Trust - 4.0 Edina, MN Job Details Full-time $20 - $28 an hour 1 day ago Benefits Paid parental leave Paid holidays Disability insurance Health insurance Dental insurance Paid time off Parental leave Vision insurance 401(k) matching Life insurance Qualifications Customer communication

Full Job Description Department:

Cards Locations:

Edina, MN Fargo, ND Sioux Falls, SD Mandan, ND Salary Range:

$20 - $28/hr DOE First International Bank & Trust is seeking a Payment Operations Specialist (Cards) to join our Cards team. This role plays an important part in supporting the day-to-day operations of our credit and debit card services, as well as broader payment processing activities. From reviewing reports and processing maintenance requests to assisting with transaction and account activity, you'll be a key contributor to service quality, operational accuracy, and risk management. This is a great opportunity for someone who enjoys detailed work, values accuracy, and takes pride in doing things the right way. Whether you bring prior banking or card services experience, or a strong customer service background, we're looking for someone who is dependable, adaptable, and eager to learn. As a family-owned and operated community bank, we focus on building long-term relationships with our customers and within our communities. Our team offers a supportive, team-oriented environment and plays an important role in maintaining service quality, managing risk, and supporting continued growth across the bank.

Key Responsibilities:

Review reports to ensure accuracy of card and payment processes and complete maintenance needed to resolve errors. Monitor accounts and reports for fraudulent or suspicious activity and respond appropriately. Process incoming card and payment maintenance requests, returned mail/cards, and account updates. Support day-to-day transaction processing, reconciliation, and balancing activities, including ATM support. Assist with dispute and chargeback intake, documentation, and research. Provide professional, responsive service to internal and external customers with card and payment-related questions. Follow policies, procedures, and internal controls while maintaining a high level of accuracy and professionalism.

Qualifications:

Associate degree or equivalent from a two-year college or technical school preferred; or 1-2 years of related experience in card services, payment operations, customer service, or a banking environment; or an equivalent combination of education and experience. Familiarity with payment rails such as ACH, RTP, FedNow, or wire transfers, and/or card network rules (Visa/Mastercard) preferred. Strong communication and customer service skills with a professional approach. Attention to detail and ability to work accurately in a fast-paced environment. Reliability, professionalism, and a team-focused mindset. Willingness to learn and build knowledge of payment processes and systems. First International Bank and Trust is a family-owned full-service Community Bank with locations in ND, MN, SD, and AZ. We show our employees we care by providing competitive benefits and training and growth opportunities. Here are the things we offer within our full-time benefits package: Health, Dental & Vision 401K Retirement Plan with Employer Match Paid Parental Leave Life and Disability Insurance Generous PTO and Holiday pay If you are interested in learning more, you can apply or if you have questions before applying you can reach out directly at . Equal Opportunity Employer