Debit Card Payment Risk Specialist

Position Summary
As a Debit Card Payment Risk Specialist for Busey, you will be responsible for handling debit card payment exceptions, escalations, and reconciliations related to debit card transactions within established timeframes to mitigate risk. You will also execute and improve upon our growing Debit Card Services, independently analyze, research, and process complex electronic payment exceptions and requests in accordance with applicable operating rules and regulatory guidelines. You will perform outbound calls to clients and internal departments to resolve exceptions, enhancing the customer experience through supporting all services and issues related to Consumer, Business, and HSA Debit Cards. ATM services, including disputes, balancing, and monitoring cash flows, are also part of this position. Good communication skills are required to communicate with partners and clients through email and phone. You may also assist with training new hires in the department and in other departments that support Debit Card Dispute functions.

Duties & Responsibilities

Work with Deposit Services, Digital Channels, Information Services, Accounting, Fraud, BSA/AML, vendors, and clients to resolve processing, reconcilement discrepancies, and disputes.

Reconcile debit card General Ledger accounts, process adjustments, returns, and recoveries.

Process debit card fraud disputes and ATM disputes, issuing provisional credit timely in accordance with Federal regulations.

Process funds received from card processor and issue credit to customers per federal regulations; balance Busey settlement account daily for related dispute findings and process appropriate tickets to general ledger accounts.

Monitor ATMs for functionality and positive balances, communicating with appropriate specialists to research, correct, and report variances, and place service calls for ATMs when necessary.

Education & Experience
Knowledge of:

General banking knowledge in the areas of payment, risk, and payment fraud; strong accounting acumen to assist in balancing activities.

Job‑specific knowledge necessary to provide the appropriate quantity and quality of work in a timely and efficient manner.

MS Office tools, including expert knowledge of MS Excel and MS PowerPoint.

Ability to

Interact effectively with others to establish and maintain smooth working relations demonstrating excellent interpersonal skills.

Demonstrate responsible personal and professional conduct that contributes to the overall goals and objectives of Busey.

Review and analyze data reports and manuals; be computer proficient.

Challenge the status quo and promote positive change.

Education and Training

High School diploma and/or up to one year of related work experience – required.

Related experience in operations, banking, or payments; payment experience, especially debit card transactions, preferred.

Knowledge of Microsoft Office.

Benefits and Compensation
Salary is based on job duties, required qualifications, and relevant experience. The role may be eligible for bonus or incentives based on company and individual performance. (Base Pay Range: $18.50–$25/hour)

Busey provides a competitive Total Rewards package, including a 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company‑paid life insurance, long‑term disability, supplemental voluntary life insurance, short‑term and long‑term disability, wellness incentives, and an employee assistance program. Eligible associates may also take advantage of pre‑tax health savings accounts and flexible spending accounts.

Equal Opportunity
Busey values a diverse and inclusive workplace and strives to recruit, develop, and retain individuals with exceptional talent. Busey is an Equal Opportunity Employer, including Disability and Veterans. Visit Busey.com/Careers to learn more about Busey's Equal Opportunity Employment.

Unsolicited Resumes
Busey Bank and its subsidiaries do not accept any liability for fees for resumes from recruiters or employment agencies without a binding, written recruitment agreement. Busey may consider any candidate for whom an agency has submitted an unsolicited resume and explicitly reserves the right to hire those candidates without any financial obligation to the agency, unless an agreement is in place. Any email or verbal contact with a Busey associate does not constitute a binding agreement. Agencies without an agreement are requested not to contact any associates of Busey with recruiting inquiries or resumes. Busey respectfully requests no phone calls or emails.

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