Card Operations Specialist - Debit Card Reconciliation & Settlement

Job Description Required Education: High school diploma or equivalent Required Experience / Skills: Minimum 3 years of experience in banking operations, debit card operations, electronic banking, accounting operations, or related financial services Strong experience with account reconciliations, balancing, settlement activities, and exception resolution Experience researching and resolving transaction discrepancies, posting errors, settlement variances, and out-of-balance conditions Debit card operations experience strongly preferred, including settlement, chargebacks, processor activity, or payment networks Strong understanding of debit card transaction flows, settlement processes, and general ledger activity Proficiency in Microsoft Excel, including pivot tables and lookups Strong analytical, problem-solving, organizational, and communication skills with excellent attention to detail Job Duties: Perform daily, weekly, and monthly reconciliations of debit card settlement, chargeback, network, suspense, and general ledger accounts Research and resolve reconciling items, settlement discrepancies, posting errors, and transaction exceptions Balance card network and processor activity against internal systems and financial records Monitor aging items and exception queues to ensure timely resolution Maintain reconciliation documentation for audits, regulatory reviews, and internal controls Escalate unresolved variances, operational losses, and unusual activity to management Partner with Accounting, Deposit Operations, Fraud, and card processors to resolve settlement and balancing issues Process card maintenance, reissues, replacements, and account updates Monitor operational reports and support card issuance, network maintenance, and debit card servicing Support dispute- and fraud-related transaction settlement and accounting activities. Job Title.