Junior Cards Operations Analyst (Durham)

Latino Community Credit Union is a financial services organization seeking a Junior Cards Operations Analyst to support the daily operations and analysis of its debit and credit card programs. The role focuses on transaction monitoring, dispute and chargeback processing, reporting, data analysis, issue resolution, compliance, and process improvement while supporting a positive member experience.

What you'll do:

• Support day-to-day card services operations, including debit and credit card transactions, authorizations, and settlement processes
• Serve as back up with card dispute and chargeback processing in accordance with network rules and regulatory requirements (e.g., Reg E, Reg Z)
• Monitor card activity for trends, exceptions, and potential fraud or operational concerns
• Prepare and maintain routine reports related to card usage, losses, disputes, and operational metrics
• Assist with data analysis, reconciliations, and ad hoc reporting requests
• Support card program initiatives and projects, including product enhancements, vendor coordination, and system updates
• Work with cross-functional teams, such as accounting, lending, risk management, and front line to resolve issues and streamline processes
• Respond to internal inquiries from branches, contact center staff, and back-office teams regarding card services
• Provide training to front office staff periodically on card services related topics
• Investigate and resolve issues related to card transactions, account discrepancies, and chargebacks, ensuring a timely and customer-focused resolution
• Help document procedures and identify opportunities for process improvements and efficiencies
• Ensure compliance with Credit Union policies, card network rules, and applicable laws and regulations

What they're looking for:

• High School's degree in a relevant field or equivalent combination of education and experience
• 0 to 2 years of experience in card services, credit card operations, or financial services industry, with a focus on credit/debit card products fraud prevention
• Understanding of Visa rules, regulations, and compliance requirements including Reg E/Reg Z
• Proficiency in card processing systems and software, as well as dispute management platforms
• Excellent analytical skills and attention to detail, with the ability to analyze data, identify trends, and make data-driven decisions
• Ability to manage multiple tasks and meet deadlines in a fast-paced environment
• Excellent communication and interpersonal skills, with the ability to interact effectively with stakeholders at all levels
• Physical requirements: Must be able to sit for extended periods of time, use the computer and telephone to complete work, and lift up to 30 pounds at times
• Credit Union or banking experience preferred
• Understanding of card network authorizations, fraud preventions systems preferred
• Bilingual with proficiency in English and Spanish is a plus

Benefits:

• Employer-paid medical insurance plan
• 401(k) plan with a substantial company match
• Employer-paid life insurance plan
• Employer-paid disability plan
• Generous paid time off
• Opportunities to build your career