Job Description

TITLE: Digital Payments Specialist

DEPARTMENT: 946 – GO – Payment & Digital Operations

JOB SUMMARY:

The Digital Payments Specialist provides technical and operations support for debit card and instant payment solutions. The role assists internal bank staff with client inquiries, account maintenance, issue resolution, transaction processing, and related controls while ensuring timely, accurate service.

ESSENTIAL FUNCTIONS:

• Maintain thorough knowledge of the digital payment solutions offered by the Company, including personal and business cards (ATM, debit, magnetic stripe, EMV, and contactless), applicable digital wallets, card controls, FedNow, RTP, and 3-D Secure (Verified by Visa).
• Develop and maintain proficiency in the software used to support digital payment solutions, including SilverLake, PayCenter, Synergy, mConsole, Visa Online, Prologue, Verafin, and JH Card Portal.
• Provide timely support to internal customers by email, phone, and instant message.
• Investigate digital payment inquiries, perform system maintenance and testing, troubleshoots issues, and engages appropriate resources to achieve resolution.
• Accurately perform time-sensitive operational tasks in a fast-paced environment, including card maintenance, data entry, balancing internal accounts, processing sight drafts, reviewing reports, and taking timely action on fraud-related processes.
• Recommend process or product improvements that increase efficiency, accuracy, or service quality.
• Participate in projects, including software conversions and upgrades, and supports data validation, testing, planning, training, and data entry.
• Comply with-all company or regulatory policies, procedures and requirements applicable to this position.
• Foster and preserve a culture of inclusion, innovation, collaboration, accountability, achievement and passion.
• Additional duties and responsibilities may be required to support the company’s mission, vision and values.

QUALIFICATIONS:

• High school diploma or equivalent required.
• Two years of experience in banking or a similar financial institution preferred.
• Experience with debit card operations, instant payments, payment systems, or fraud-related processes preferred.
• Strong customer service and strong written and verbal communication skills required.
• Strong computer skills, including proficiency with Outlook, Excel, Word, and web browsers.
• Strong analytical, troubleshooting, and problem-solving skills.
• Ability to ask effective questions, assess information, and escalate issues appropriately.
• Ability to prioritize time-sensitive work, maintain accuracy, and work independently and collaboratively in a fast-paced environment.
• Ability to learn and work effectively across multiple digital payment systems.

WORKING CONDITIONS:

• Duties are performed in a professional office environment.
• Occasional overtime outside of normal business hours to support projects.

SALARY & BENEFITS:

The anticipated starting hourly wage for this position is $20.50 per hour. The actual wage will be based on qualifications and business needs and may vary, as permitted by applicable state law.

This position is a regular full-time position and individuals employed as regular full-time are eligible for the following benefits subject to the terms, limitations and conditions of each benefit plan: Health, Dental, Vision, Life Insurance, Disability Insurance, FSA, HSA, 401K, Employee Stock Purchase Plan, Paid Time Off, Paid Holidays and additional Voluntary Supplemental Insurance.

At QCR Holdings, Inc. we are committed to fostering and preserving a culture of inclusion and strongly believe that it's our differences - of all kinds - that make our company and our communities better and stronger.

QCR Holdings, Inc. is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, disability, age, sexual orientation, gender identity, national origin, veteran status, or other protected class status.

It is the policy of QCR Holdings, Inc. to comply with the Americans with Disabilities Act by providing reasonable accommodations to enable qualified individuals with disabilities to access the job application and interview process, to perform the essential functions of the job, and to receive equal access to other benefits and privileges of employment.