Job Description

• Provide end to end operational leadership for debit, credit, and prepaid card programs, overseeing issuance, processing, disputes, fraud operations, and full card lifecycle management to ensure stable, scalable, and compliant operations.
• Own card risk management and compliance governance, partnering with Risk, Fraud, Legal, and Compliance teams to ensure adherence to federal and state regulations, network rules, processor requirements, and internal control standards.
• Set strategic direction and drive continuous improvement by establishing policies, procedures, operating rhythms, and performance metrics that enhance efficiency, control integrity, and readiness for growth.
• Lead vendor, processor, and network relationships, holding partners accountable to contractual terms, SLAs, and regulatory obligations while managing third party risk and service quality.
• Serve as executive level subject matter expert for card systems, platforms, and products, providing guidance on card initiatives, enhancements, issue resolution, and domestic and international programs.
• Build and develop a high performing card services organization, leading a geographically distributed team, overseeing talent development and succession planning, and ensuring a strong customer experience through clear standards and accountability.

• Expertise in the end-to-end card product life cycle management, including transaction flows authorization, clearing, settlement and chargebacks. Reg E dispute expertise also required.
• Experience with mergers & acquisitions, including card product/service transformations and processor or brand conversions.
• Expertise in federal and state regulations as they apply to regulated debit card programs and credit cards.
• Expertise in network operating rules and requirements related to card operations.
• Knowledge of basic rules and regulations as it relates to Deposit Operations.
• Knowledge of Bank operational policies and procedures.
• Expertise in leading geographically dispersed teams.
• Ability to partner and collaborate with cross-functional teams including vendors, stakeholders, and bank personnel.
• Expertise in building/maintaining comprehensive processes and procedures.
• Excellent communication and leadership skills.
• Ability to problem solve, troubleshoot, and handle high stress situations.
• Proficiency with card management systems, payment networks, network rules, and digital wallet technology.
• Be well organized, a team-player, motivated and flexible with working hours. Individual must be able to work independently, have strong leadership and project management skills, have the ability to prioritize work and perform well in a high-volume environment.

• Bachelor's degree in finance, business, or a related field and a minimum of 7 years within a financial industry in credit/debit card operations.

• Experience with Visa, MasterCard, NYCE, FIS card processing.