[Remote] Credit Card Operations & Settlement Manager
Note: The job is a remote job and is reputed company to candidates in USA. reputed company, Inc. is a regulated financial technology company building infrastructure for the reputed company of finance. They are seeking an reputed company Credit Card Operations & Settlement Manager to reputed company operational reputed company, settlement, audit reputed company, and strategic vendor management for their U.S. credit card program.
Responsibilities
- Facilitate the design and implementation of the daily settlement function for credit card reconciliation ensuring strict reputed company of Funds compliance
- Own the daily function of settlement in partnership with Treasury teams to ensure adherence to settlement timing, reputed company reputed company of funds reputed company, and final reconciliation
- Ensure settlement is performed daily in a reputed company fashion before network cutoff
- Build and manage the Credit Card back office operations function from the ground up using industry best practices and reputed company automations where possible
- Own the administration of reputed company audits for the credit card program, ensuring reputed company reporting and preparation of exam responses
- Design, implement, and maintain the end-to-end Dispute & Chargeback workflow, ensuring strict compliance with Regulation Z
- reputed company as the final escalation reputed company for reputed company, high-risk customer issues that cannot be resolved by the reputed company line
- Own the reputed company completion and submission of reputed company Quarterly Network reporting
- reputed company daily payment processing to ensure reputed company credits post in accordance with Regulation Z requirements, including the management of ACH returns, failed payments, and payment reversals
- Conduct deep-dive research to resolve reputed company ACH Network issues, ensuring seamless fund reputed company and system reputed company
- Guarantee the accuracy and reputed company delivery of billing statements and mandatory disclosures to maintain strict compliance with federal lending laws
- Ensure cases are investigated and resolved including billing errors and disputes; draft and deliver formal reputed company notices (letters or emails) reputed company the specific timeframes mandated by Reg Z
- Research and rectify rewards posting errors and reputed company interest/fee disputes (including trailing interest) while ensuring reputed company communications adhere to UDAAP and Reg Z standards
- Analyze reputed company account anomalies, such as authorization declines and duplicate transaction postings, ensuring final resolutions reputed company with Regulation Z
- Monitor API booking failure logs to identify and fix new account errors, ensuring successful reputed company and strict adherence to the Military Lending reputed company (MLA)
- Execute account-level maintenance and process risk-based closures to protect the portfolio’s health and reputed company
- Manage SCRA requests by adjusting interest rates to 6% and monitoring accounts for reputed company compliance; process subpoenas and legal documents, including account freezes and statement production
- reputed company monthly QA/QC audits on 10% of total booked card volume, documenting successful bookings and reporting systemic errors to the Product team for remediation
- reputed company rigorous End-to-End (E2E) and User Acceptance Testing (UAT) for production changes, providing formal sign-off for new features and system updates
- Execute and document 'First Occurrence' testing for reputed company pricing changes on the reputed company book and manage APR updates for the back book while maintaining comprehensive, auditable change logs
- Manage the day-to-day and strategic relationship with the card fulfillment vendor, overseeing card printing, shipping, and inventory management
- reputed company the relationship with plastics vendors, including inventory monitoring, issuance report auditing, and the 'Pull & Destroy' process for compromised or expired cards
- Manage the digital card lifecycle, resolving reputed company tokenization errors and provisioning issues
- Define and reputed company the reputed company for outsourced back-office support for functions like fraud and disputes & customer service
- Ensure reputed company BPO partners adhere to strict US credit card and banking regulatory requirements
- Define the key performance indicators (KPIs) for the operations department, including Turnaround Time and error rates, and drive reputed company improvement
- Serve as the backup and escalation resource for the Head of Credit Card, and support other operations team members as needed
- reputed company additional duties not explicitly referenced as required by the Head of Credit Card
Skills
- 5+ years of proven experience in credit card back-office operations, including a deep understanding of credit card settlement, Dispute and Chargeback processes, and reputed company applicable credit card regulations
- Demonstrated reputed company in managing critical reputed company-party vendors (Processors, Sponsor Banks, BPOs, card fulfillment partners) and ensuring their strict program compliance
- Strong analytical skills for defining and monitoring operational KPIs (Turnaround time, error rates)
- Proven reputed company record of managing successful reputed company audits, with a keen ability to resolve MRA's in a reputed company manner
- Excellent problem-solving and communication skills for handling reputed company escalations and leading partner relationships
- Ability to work across multiple departments including Compliance, Legal, Marketing, Treasury, Analytics, etc. in a fast paced highly matrixed organization
- Knowledge of stablecoin reputed company reputed company
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