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Card Payments Specialist
Job
Fidelity Bank
Fuquay-Varina, NC (In Person)
Full-Time
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Job Description
SUMMARY:
The Card Payments Specialist is responsible for the day-to-day operations related to debit and credit card processing. This position ensures the secure, accurate, and efficient management of retail and business card maintenance and customer service, maintaining accurate financial reporting and payment reconciliation, while ensuring compliance with regulatory guidelines and internal policies. The ideal candidate will have deep knowledge of card payment networks and operations, fraud monitoring, and dispute resolution, along with a customer-first mindset.PRINCIPAL ACCOUNTABILITIES
Time:
Description:
10% Manage the end-to-end lifecycle of card issuance, activation, maintenance, and closures.30% Monitor daily card activity to identify fraud trends, and processing issues. Handle chargebacks, disputes, and exception processing in accordance with Visa network rules and ensure compliance with applicable regulations (e.g., Reg E, Reg Z).10% Perform daily and monthly general ledger balancing related to card transactions and settlement accounts, identifying and resolving discrepancies.10% Complete network settlement reports and verify incoming/outgoing funds align with processing totals. Reconcile interchange, issuer fees, chargebacks, and processor fees on a regular basis. Ensure accurate daily settlement and reconciliation of card network transactions, including posting corrections and adjustments as needed.5% Prepare and distribute monthly and quarterly reports detailing card processing volumes.35% Serve as the subject matter expert and primary contact for phone and email communication on all debit and credit products, services, and processes for internal and external card-related inquires. Provide friendly and knowledgeable support to branch staff and customers regarding card usage, maintenance, declines, and security best practices.BASIC QUALIFICATIONS
High School diploma or GED with 2 years of experience in card operations, card payments, or banking in a financial institution or an equivalent combination of education and experience.ADDITIONAL QUALIFICATIONS
Familiarity with community banking operations and a strong customer-first approach.Excellent attention to detail, problem-solving skills, and customer service orientation.
Capable of working independently and collaboratively across departments.
Strong organizational and communication skills, both written and verbal.
Ability to handle confidential information with integrity and professionalism.
Proficient in Microsoft Office and adaptable to new banking software tools.
Strong understanding of Visa networks, card processing systems, and card regulations.
Experience with card fraud detection, dispute resolution, and risk mitigation.
Experience with general ledger balancing, payment reconciliation, and financial reporting. The above statements are intended to describe the general nature and level of work being performed by people assigned to this job.
They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified.
Affirmative Action/Equal Employer