Debit Card Payment Risk Specialist
Busey, Champaign, IL, United States
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. Perform outbound calls to clients and internal departments to resolve exceptions. The Card Services Risk Specialist is responsible for 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. The position requires good communication skills to communicate with partners and clients potentially through email and phone and may be responsible for assisting with training new hires both 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 any 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 as they are received from card processor and issue credit to customers that have had card issues in accordance with federal regulations. Balance Busey settlement account daily for related debit card dispute findings and process appropriate tickets to general ledger accounts, as needed.
Monitor ATMs for functionality and positive balances, communicating with the appropriate specialists for researching, correcting and reporting variances, and placing 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 be able to assist in balancing activities.
Job-specific knowledge that is 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, MS PowerPoint.
Ability To
Interact effectively with others to establish and maintain smooth working relations demonstrating excellent interpersonal relations.
Demonstrate responsible personal and professional conduct, which contributes to the overall goals and objectives of Busey.
Display ability to review and analyze data reports and manuals; must be computer proficient.
Challenge the status quo and promote positive change.
Education and Training
High School diploma and/or up to one-year related work experience - required.
Related experience to include a focus within operations, banking, or payments. Payments experience preferred or specifically debit card transactions.
Requires knowledge of Microsoft Office.
Benefits and Compensation Salary offered is based on factors, including but not limited to the job duties, required qualifications and relevant experience, and local market trends. 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 in return for your time, talents, efforts and ultimately, results. Your personal and professional well‑being—now and in the years to come—are important to us. Busey’s total rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company‑paid life insurance and long‑term disability, supplemental voluntary life insurance, short‑term and long‑term disability, wellness incentives and an employee assistance program. In addition, eligible associates may take advantage of pre‑tax health savings accounts and flexible spending accounts. Visit Busey Total Rewards for more information.
Equal Opportunity Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey’s commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers to learn more about Busey’s Equal Opportunity Employment.
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Duties & Responsibilities
Work with Deposit Services, Digital Channels, Information Services, Accounting, Fraud, BSA/AML, Vendors and Clients to resolve any 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 as they are received from card processor and issue credit to customers that have had card issues in accordance with federal regulations. Balance Busey settlement account daily for related debit card dispute findings and process appropriate tickets to general ledger accounts, as needed.
Monitor ATMs for functionality and positive balances, communicating with the appropriate specialists for researching, correcting and reporting variances, and placing 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 be able to assist in balancing activities.
Job-specific knowledge that is 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, MS PowerPoint.
Ability To
Interact effectively with others to establish and maintain smooth working relations demonstrating excellent interpersonal relations.
Demonstrate responsible personal and professional conduct, which contributes to the overall goals and objectives of Busey.
Display ability to review and analyze data reports and manuals; must be computer proficient.
Challenge the status quo and promote positive change.
Education and Training
High School diploma and/or up to one-year related work experience - required.
Related experience to include a focus within operations, banking, or payments. Payments experience preferred or specifically debit card transactions.
Requires knowledge of Microsoft Office.
Benefits and Compensation Salary offered is based on factors, including but not limited to the job duties, required qualifications and relevant experience, and local market trends. 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 in return for your time, talents, efforts and ultimately, results. Your personal and professional well‑being—now and in the years to come—are important to us. Busey’s total rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company‑paid life insurance and long‑term disability, supplemental voluntary life insurance, short‑term and long‑term disability, wellness incentives and an employee assistance program. In addition, eligible associates may take advantage of pre‑tax health savings accounts and flexible spending accounts. Visit Busey Total Rewards for more information.
Equal Opportunity Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey’s commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers to learn more about Busey’s Equal Opportunity Employment.
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