Card Services Operations Specialist

HOUSTON TEXAS FIRE FIGHTERS FEDERAL CREDIT UNION - 3.0

Houston, TX Job Details Full-time $37,724 - $50,000 a year 19 hours ago Benefits Profit sharing Health insurance Dental insurance 401(k) Paid time off Vision insurance 401(k) matching Life insurance Qualifications General ledger reconciliation Customer communication Fraud investigation Regulatory compliance in claims processing High school diploma or GED Attention to detail Bank experience Credit union experience Fraud prevention and detection Credit card services Full Job Description Join Our Team We are seeking an experienced, dynamic, detail-oriented Card Services Operations Specialist to support and manage debit card, credit card, and ATM card operations for our financial services team. This position is responsible for investigating fraud claims, processing disputes, maintaining card records, coordinating with card processors, and ensuring compliance with banking regulations. This is not an entry-level customer service role. The ideal candidate will have hands-on experience in card operations, card processing, fraud management, dispute resolution, chargebacks, or electronic funds transfer (EFT) services within a financial institution, card processor, or related payments environment. Duties Investigate and process debit card, credit card, and ATM card fraud claims and disputes. Process cardholder account maintenance, including name changes, address changes, replacement cards, and account closures Review and reconcile card-related general ledger accounts Research and resolve cardholder inquiries regarding transactions, statements, disputes, and account adjustments Review daily reports received from card processing vendors Monitor and maintain ATM, debit card, and credit card inventory Process monetary adjustments related to card activity Manage dispute and fraud cases through card processing systems within required timelines File bond claims and supporting documentation as necessary Review and process fraud monitoring alerts and CAMS notifications Block compromised cards, reissue cards, and generate required member communications Maintain compliance with Regulation E, Regulation Z, BSA, OFAC, and related regulatory requirements Serve as a subject matter expert for card-related products, services, and procedures Identify opportunities to improve departmental processes and operational efficiency Collaborate effectively with internal departments, vendors, and members to resolve issues Required Qualifications Education High School Diploma or GED required

Experience Required:

Minimum 2 years of direct experience in card services, payment operations, card processing, dispute processing, fraud investigations, EFT operations, or related financial institution operations

Strongly Preferred:

Experience handling Regulation E disputes Experience with debit card and credit card fraud investigations Experience working with card processors such as Fiserv, CO-OP, PSCU, Jack Henry, Shazam, Visa, Mastercard, or similar platforms Experience processing chargebacks, exceptions, or card-related adjustments Credit union or banking experience Knowledge & Skills Thorough understanding of debit card, credit card, and ATM card processing Working knowledge of Regulation E and electronic funds transfer requirements Familiarity with Regulation Z related to credit card disputes Strong analytical and investigative skills Excellent attention to detail and accuracy Ability to manage multiple priorities and deadlines Proficiency with Microsoft Office applications and operational systems Strong written and verbal communication skills Who Will Be Successful in This Role? The ideal candidate has previously worked in areas such as: Card Services EFT Operations Deposit Operations Payment Operations Fraud Investigations Chargeback Processing Card Dispute Resolution Electronic Payments Risk Operations Back Office Banking Operations What We Are Looking For We are seeking someone who: Takes ownership of issues through resolution Demonstrates sound judgment and strong problem-solving abilities Works independently while contributing to a collaborative team environment Maintains professionalism when handling sensitive member matters Is highly organized, dependable, and detail-oriented Hours Monday - Friday 8:00 AM to 5:00

PM Pay:

$37,724.00 - $50,000.00 per year

Benefits:

401(k) 401(k) matching Dental insurance Health insurance Life insurance Paid time off Profit sharing Vision insurance

Experience:

direct card operations: 2 years (Required) handling Regulation E disputes: 1 year (Required) debit card and credit card fraud investigations: 1 year (Required) Credit union or banking : 1 year (Preferred)

Work Location:

In person