Card Services Clerk

Essential Duties and Responsibilities:

•  Effects the proper pre-authorization, authorization, and settlement of all credit and debit card transactions.
•  Respond to member and staff inquiries concerning Debit and Credit Cards.
•  Handles account maintenance, lost and stolen cards, new accounts, transferring account balances, walk- through, account inquiries, block accounts, and other related activities.
•  Maintains physical and electronic records of Credit and Debit Cards.
•  Processes card re-issues, new card issues, loan activations, on a daily basis.
•  Works with all vendors providing incidental Credit and Debit Card services such as rewards points, car rental insurance and other added-value programs.
• Processes plastic card disputes in compliance with Regulation E, VISA or MasterCard Rules and Regulations, Rules for PIN networks, and all other applicable rules and laws.
• Assists with insurance claims on card fraud cases, credit life and disability claims.
• Maintains records of claims, which have been filed and/or settled, as required by Credit Union policies.
• Posts applicable general ledger credits and debits on a daily basis.

• Performs necessary support to Card Services Department in the absence of other department personnel.
• Supports Marketing efforts to support the growth of the Credit Union’s Credit and Debit Card program as required.
• May work with the Loan Adjustment Department to assist with blocking access to credit and debit transactions, and other measures to cure delinquency.
• As a member of the staff, answers incoming phone calls, assists members as the need arises, and performs work on projects as needed.
• Completes the required Bank Secrecy Act (BSA) training and implements and complies with the BSA Policy and procedures.
• As a member of the staff, answers incoming phone calls, assists members as the need arises, and performs work on projects as needed.
• May be called upon to train employees in area of expertise.
• Other duties may be assigned.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the mental, physical, knowledge, education and/or experience required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Mental Requirements:

• Requires attention to detail, concentration and responsiveness in a timely manner.
• Is able to work well with people.
• Is able to work under stressful and pressure filled situations.
• Frequent basic mathematic skills.
• Is able to keep abreast of all regulatory and operational matters which affect the Card Services program.

Physical Requirements:

• Is able to show up to work as scheduled.
• Is able to occasionally lift, carry, pushing, and pull items weighing up to 20 pounds.
• Is able to operate 10-key by touch and type 30-40 wpm accurately.
• Is able to occasionally reach or climb a ladder to reach upper shelving.
• Is able to sit for extended periods of time.
• Is able to communicate clearly in person or over the phone and/or in writing.
• Is able to move around the office on surfaces primarily of carpet.
• Is available for occasional business travel, including land and air travel.

Other Requirements:

• May be required to use his/her personal car to perform credit union business.
• May be required to work at different branch.
• May be required to work beyond the normal business hours, including weekends.
• May be required to attend seminars or classes to increase job skills.
• Must be bondable and have a clear credit rating.

Education and/or Experience:

• High school graduate / GED equivalent with one (1) year experience in related field in a financial institution or similar industry preferred.
• Proficient with the use of computers.

Working Conditions:

• Work is primarily inside an air-conditioned, well-lighted office setting, and high humidity.
• Working alone and with others.
• Moderate noise level.
• Frequently public contact.
• Potential exposure to the threat of violence at any time.