Cards Specialist at Scott Credit Union

**Training is to be completed in the first 60-90 days of employment at the Home Office. 

**Upon successful completion of training, qualifying employees may be eligible for a remote schedule.

Purpose, Mission, Vision, Values

At Scott Credit Union, we are committed to upholding our purpose, mission, vision, and values. Our Purpose guides everything we do as an organization and is supported by our actionable Mission, Vision, and Values. If our chosen purpose, mission, vision, and values resonates with you and you want to find meaning in your work, we hope you will apply to become a part of our team!

Purpose:
To be with our members through every phase of their financial journeys, providing financial solutions that support them, their families, and their communities.
 
Mission:
Members. Value. Community.
 
Vision:
Building Better Financial Futures.
 
Values:

Accountability - I take pride and ownership in all I do.
Diversity - I support the diverse, equitable, and inclusive work environment that is fostered by Scott Credit Union.
Growth - I will pursue professional development with the encouragement of Scott Credit Union.
Integrity - I will maintain the highest ethical standards.
Service Excellence - I am devoted to continuously "WOW"ing members and each other through the 3e Promise.

Why You Should Join Our Team 

Scott Credit Union is a recipient of the St. Louis Post-Dispatch Top Workplaces Award 2025, the twelfth time since 2012. This year, SCU was recognized as one of the Top Workplaces for our dedication to our people-first culture. The Top Workplaces award highlights SCU’s commitment to creating a positive and supportive work environment, where employees thrive and contribute to the organization’s overall success. Our team is our #1 priority, and we are proud to offer great benefits and perks, such as 11 paid holidays, competitive paid time off (PTO), Short-Term Disability (STD) that includes maternity leave, 401k with employer match, medical, dental, vision, and other insurance options, educational reimbursement program, employee assistance programs, opportunities for career advancement, casual “dress for your day” dress code, a positive team-oriented culture, and much more! A comprehensive benefit guide with a full list of our benefits can be found on our career page, scu.org/careers/.

The Day to Day as a Cards Specialist

The Cards Specialist is responsible for providing support to members’ by maintaining the debit and credit card portfolios, providing support to both the Home Office and branch personnel while complying with established procedures as well as regulatory requirements. A typical day will look like:

• Fraud monitoring of debit and credit card dispute and fraud claims.  Issuing provisional credit to the member account and reaching out to members when additional information regarding the claim is needed.
• Research outages in the debit card general ledger (GL) keeping the GL up to date.   Maintain the credit card suspense GL as well as the ORIS GL.  Assist Accounting with any questions or issues that arise.
• Balance VISA Debit card and VISA Credit card suspense GL.
• Process daily, weekly, monthly, quarterly, and year-end debit and credit card reports. Identify errors and perform oversight of maintenance performed by branch and Home Office personnel.
• Research and respond to inquiries received via email, phone, and Microsoft Teams related to debit and credit card products including member inquiries regarding card disputes/fraud, monetary adjustments, replacement cards, credit card phone payments, pay-offs, deceased members, balance transfers.
• Maintain Level 2 support to the frontline staff by using FIS card system platforms.
• Communicate Compromised Account Management Systems (CAMs) alerts to management.   This consists of identifying compromised cards and coordinating with XDI to notify members, build queries in Verafin to identify the CPP (Common Point of Purchase), reissuing new cards and capturing the compromised cards.  
• Receive daily departmental mail and distribute to the appropriate department and forward member correspondence to the correct address.
• Monitor Gift Card supplies and orders for the branches. Including the destruction of expired stock.
• Monitor and maintain debit and credit card stock at the card processor.  Monitor and audit the Home Office vault under dual control.   Ship instant issue card stock to branches.
• Maintain month end department reporting and processes.
• Review, monitor and report analytical debit and credit card data as required.  This includes compiling monthly reporting for the BSA Officer and Fraud Manager.  
• SCU Corporate Credit Cards
  1. Make manual entry in FIS Service View to post payment in full.
  2. Open new SCU corporate credit cards for managers after 90-day probationary period.
  3. Increase/decrease credit limits as directed by Executive Support Administrator (with approval by Chief Executive Officer or Executive Vice President).
  4. Maintain spreadsheet of active employee’s credit card.
  5. If card is lost/stolen, or fraudulent charges occur, block and reissue a new card.
  6. If employment ends, close the card.
• Under dual control create test scripts, produce test cards, work with Accounting to fund the test accounts, perform transactional testing outside of normal business hours including weekends as necessary.
• Order Travel and Gift Cards and monitor.
• Duties, responsibilities, and activities may change at any time with or without notice.

Are You a Good Fit?

Ask yourself the below questions to help determine if this job is the right fit for you.

• Do you enjoy engaging with people and providing exceptional customer service?
• Are you detail-oriented and like working with numbers?
• Do you thrive in a fast-paced environment?
• Are you a positive person who enjoys working as part of a team?
• Do you enjoy working in a diverse environment with diverse members?
• Do you take pride and ownership in all that you do?
• Are you looking for a job where you can develop professionally?

If you answered yes to these questions, we hope you apply!

To Be Considered, You’ll Need:

• High school diploma or equivalent.
• Minimum one year of relevant work experience in a financial institution or card operations environment.
• Personal computer experience to include Microsoft® Windows Applications.

To Be Considered, You’ll Need:

• Experience working with debit, credit and gift cards.
• Advanced personal computer experience with Excel and Access.
• Experience with cardmember fraud and disputes.

Are You Ready to Join Our Team?

If this sounds like the right opportunity for you, we hope you apply today! If selected as a candidate, next steps may include a phone interview to go over the basics and/or an in-person interview to learn more about your experiences and qualifications.