Job Description

The Card Experience Manager provides strategic and operational leadership for the Bank's debit and credit card programs, ensuring exceptional cardholder and branch experiences through effective oversight of card servicing, operational performance, compliance, risk management, and team development. This role drives continuous improvement, supports organizational objectives, and fosters a client-focused culture through strong leadership and partnership across the organization.

Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position.

KEY RESPONSIBILITIES

• Oversee teams responsible for end-to-end debit and credit card services, including card issuance, maintenance and exceptions, ensuring accurate processing, timely resolution, and consistent customer experience.
• Ensures all card-related activities comply with bank policies, card network rules and applicable regulatory requirements by monitoring controls, reviewing exceptions, and addressing gaps through corrective action and staff guidance.
• Oversees staff providing operational and service support to branch teams, ensuring inquiries and escalations are handled professionally, accurately, and within service-level expectations, while reinforcing clear roles and accountability between the card experience team and branches.
• Directs, coaches, and develops staff responsible for card services by setting performance expectations, reviewing results, providing regular feedback, and supporting professional growth to maintain a high-performing and client-focused team.
• Identifies trends, risks, and opportunities impacting the cardholder and branch experience, driving process improvements, service enhancements, and effective use of tools or technologies to improve efficiency, reduce errors, and support organizational goals.
• Develop and maintain effective relationships with card processors, payment networks, and third-party vendors to ensure service expectations are met, operational issues are resolved promptly, and opportunities for program enhancements are identified and implemented.

ATTITUDES

Builds positive relationships with internal and external clients by valuing other's feelings and rights in both words and actions, and embracing other's unique beliefs, backgrounds, and perspectives by demonstrating:

• Respect Demonstrates in all interactions by setting clear expectations for professional conduct, actively listening to branch staff and coworkers, valuing diverse viewpoints, and addressing concerns thoughtfully and without bias.
• Client Focus Ensure responsiveness, accuracy, and professionalism, reinforcing accountability for service standards and timely issue resolution that supports positive client outcomes.
• Inclusion Foster an inclusive environment where team members feel heard and valued by encouraging open dialogue, recognizing different experiences and perspectives, and ensuring equitable workload distribution and participation in decision-making.

BEHAVIORS

Demonstrates strong business ethics and honest behaviors and the ability to positively influence and work with others to achieve excellent results by demonstrating:

• Leadership Guide, motivate, and develop team members, providing clear direction and oversight by setting expectations, monitoring performance, and holding team members accountable for results.
• Integrity Uphold the highest ethical standards by ensuring team adherence to bank policies, regulatory requirements, and internal controls.
• Collaboration Encourage a collaborative work environment by fostering open communication and mutual respect across coworkers, departments, and branch teams.
• Volunteerism Support corporate and community volunteer efforts, reinforcing the bank’s commitment to service and social responsibility.

COMPETENCIES

Reflects skill, good judgement, positive conduct, and personal responsibility for assigned areas. Seeks to implement and leverage services and technologies that create efficiencies by demonstrating:

• Accountability Holds self and team accountable for the performance, accuracy and risk management of assigned responsibilities.
• Innovation Encourages team input and participation in identifying workflow inefficiencies, system issues, and opportunities for automation or standardization.
• Professionalism Models professional behavior by demonstrating sound judgment, respectful communication, and consistency in oversight of branch-facing interactions.

SUPERVISORY RESPONSIBILITIES

Supervisor drives strategic success from encouraging transparency, maintaining a focus on shared organizational goals and making time for professional development. Supervisors are expected to hold regular one-on-ones with direct reports to provide them with an invaluable chance to align goals, offer guidance, and foster growth within their teams.

• Maintains active oversight of daily operations of Card Experience team while making intentional time for coaching, mentoring, and performance development to strengthen skills and promote accountability across the team
• Clearly communicates departmental priorities and aligns individual and team goals with broader bank strategies, including risk management, regulatory compliance, service excellence, and operational efficiency.
• Creates an environment where open dialogue is expected and valued, ensuring team members feel comfortable raising concerns, identifying risks, and proposing improvements related to debit and credit card processing, exception requests, and operational workflows.
• Serves as a visible and engaged leader who fosters accountability, collaboration, continuous improvement, and professional growth. Expected to make sound decisions, effectively manage change, provide timely and constructive feedback, address performance concerns when necessary, and create a culture where employees feel supported, challenged, and empowered to contribute to organizational success.
• Ability to balance strategic thinking with operational execution while fostering a culture of accountability, service excellence, and continuous improvement.

POSITION LEVEL(S) EXPECTATIONS

The title and level of this position (Officer, AVP, or VP) will be determined based on the candidate's education, relevant experience, leadership background, demonstrated competencies, and ability to successfully perform the responsibilities of the role. Consideration will be given to the following factors:

• Depth of experience in banking operations, specifically debit card and/or credit card servicing, support, and administration.
• Demonstrated ability to lead, coach, and develop individuals and teams while fostering accountability and high performance.
• Knowledge of card network rules, regulatory requirements, operational controls, and risk management practices.
• Experience identifying, implementing, and leading process improvements and operational efficiencies.
• Ability to influence outcomes, lead through change, and collaborate effectively across departments and organizational levels.
• Ability to analyze trends, identify risks and opportunities, and develop solutions that enhance the cardholder and branch experience.
• Educational background, industry certifications, and commitment to ongoing professional development

SEEKS PROFESSIONAL DEVELOPMENT OPPORTUNITIES

Demonstrates a commitment to continuous professional growth by actively pursuing opportunities to expand expertise in payments, card operations, leadership, compliance, emerging technologies, and process improvement. Success in this role requires intellectual curiosity, strong problem-solving abilities, effective communication skills, and a willingness to challenge the status quo through innovative thinking. The ideal candidate values feedback, listens actively, navigates difficult conversations professionally, collaborates effectively with diverse personalities and business partners, and contributes thoughtful ideas and constructive recommendations that strengthen team performance and client experiences.

Requirements

QUALIFICATIONS, EDUCATION, & EXPERIENCE

To perform this position successfully, an individual must be able to perform each essential position requirement satisfactorily and a skills inventory is listed below. A four-year college degree is highly preferred and strongly supports success in this role. A high school diploma or general education degree (GED) is required, and candidates with substantial related experience and relevant post-secondary coursework may also be considered. A background screening will be conducted.

• LANGUAGE SKILLS: Ability to read, comprehend, and interpret documents. Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization. Ability to communicate to clients directly and effectively.
• TECHNOLOGY SKILLS: Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use. Prior experience or the ability to learn core transaction system, debit card system, credit card system, instant issue card machine, statement processing system, Microsoft Suite, cash advance machines and any other computer programs pertinent to performing job duties. Ability to analyze operational data, identify trends, monitor performance metrics, prepare management reporting, and leverage technology solutions to improve operational efficiency, reduce risk, and enhance the client experience.
• MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
• REASONING ABILITY: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to solve challenging problems involving several variables in a standardized situation.
• PHYSICAL DEMANDS AND WORK ENVIRONMENT: The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this position.

This position operates in a professional office environment with considerable time spent at a desk using office equipment such as computers, phones, and printers. Noise level is moderate with constant communication and interactions with others. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite.

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

DISCLAIMER This job description is not an exclusive list of responsibilities and duties. They may change at any time without notice.

BENEFITS

• Medical, Dental, Vision & Life Insurance
• 401K with company match
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!

Eligibility requirements apply.

CNB Bank is an equal opportunity employer and all applicants are considered based on qualifications without regard to sex, race, color, ancestry, religious creed, national origin, sexual orientation, gender identity, physical disability, mental disability, age, marital status, disabled veteran or Vietnam era veteran status. CNB Financial Corporation is an Affirmative Action Employer and is committed to fostering, cultivating and preserving a culture of diversity and inclusion.

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