Card Operations Specialist

Job Summary:

The Card Operations Specialist is responsible for providing operational support related to card issuance and acceptance processes. This includes assisting territorial units and Central Administration entities, managing card production and distribution, supporting POS terminal operations, ensuring compliance, and handling complex or non-standard cases. The role also involves maintaining system parameters, preparing reports, and supporting process improvement initiatives.

Key Responsibilities:

• Provide assistance via the Service Desk Cards platform or email for:
• Issuance, reissuance, modification, or cancellation of credit cards and PINs (primary/supplementary/collateral, including business or staff cards)
• Setting/unsetting services (SMS/email alerts, insurance, auto-payment, statement delivery)
• Changes to card limits and commission profiles
• Instalment transaction setup
• PIN blocking/unblocking and release of blocked funds
• Card recovery approvals (ATM retention cases)
• Configuration of merchant accounts, fees, and acceptance parameters
• Transaction analysis and card operations reporting

• Coordinate daily card and PIN production and distribution to branches and clients
• Load daily production into the PBR Stocks system
• Support territorial units in managing card and PIN inventories
• Receive and securely destroy returned or uncollected cards/PINs

• Monitor and manage alerts in Safeguard
• Oversee functionality of Pin-by-SMS and 3DS applications

• Perform daily transaction clearing and settlement
• Reconcile transactions in the internal POS network
• Conduct monthly reconciliation of POS terminal statuses with service provider

• Implement standard tariffs, fees, rates, margins, and specific exceptions in banking systems
• Prepare and send monthly renewed card files to Processor (for FB-issued debit cards)
• Generate monthly files for debit/credit card annual fee collection

• Manage the installation of new POS and e-commerce terminals in the FB merchant network
• Request and track interventions from external service providers

• Calculate merchant commissions (for state-owned enterprises) and request invoice issuance
• Verify and submit supplier invoices for payment after approval

• Prepare mandatory reports for insurance partners (Metropolitan Life, Uniqa Travel)
• Address non-standard or high-complexity cases
• Generate and maintain department activity records and reports

• Propose improvements and contribute to training material development
• Review internal procedures and work instructions
• Define and analyse business requirements for system/application changes
• Collaborate with project teams on departmental initiatives

Additional Duties:

• Fulfil any tasks assigned by the manager that align with the role and competencies

Qualifications & Requirements:

Education & Experience:

• Bachelors degree in economics or a related field (completed or in progress)
• Minimum of 2 years of experience in the banking or financial sector

Technical Skills:

• Proficiency in MS Office tools
• Intermediate level of English
• Strong understanding of banking applications and internal regulations
• Familiarity with relevant financial and operational legislation
• Minimum knowledge of Card Organizations Rules

Key Competencies:

• Results-oriented with a focus on achieving objectives
• Strong team player with flexibility, dynamism, and initiative
• High attention to detail and ability to handle complex tasks independently