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Credit Card Clerk Job Description Sample
Secured Card Credit Review Specialist 1
We're looking for an energetic and enthusiastic leader who is passionate about providing quality credit analysis and service for new credit card applicants, existing card members, as well as bank employees. This person acts as a consultant in the area of credit analysis and communicates a consistent way of evaluating credit quality within the organization and analyzing all types of credit information on existing and prospective customers and portfolios. Inputs the data gathered into tracking and/or reporting computer systems and/or databases. Reviews and completes maintenance requests for existing accounts. Maintains a working knowledge of underwriting guidelines, operational systems and processes, regulatory or policy changes and well as industry changes. May also be required to assist the Data Entry department and/or complete other duties as assigned.
We offer a competitive salary plus excellent benefits, including group medical, prescription, dental, vision, and life insurance, short and long-term disability insurance, flexible spending accounts, immediate 401(K) participation, pension, free checking along with discounts on other banking products and services and much more!
Explore your career possibilities at U.S. Bank and join a company that's as passionate as you are about helping our customers meet their goals and making a difference in the communities we live and work. Our industry-leading financial performance, innovative spirit and best-in-class reputation empower employees to succeed. U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.
Basic Qualifications
Bachelor's degree, or equivalent work experience
One to two years of experience in credit analysis and/or lending activities
Preferred Skills/Experience
Well-developed credit analysis and analytical skills
General knowledge of risk analysis, credit administration, policies and procedures
Effective technical report writing skills
Effective verbal and written communication skills
A demonstrated high level of performance may be considered as an alternate contributing factor to the required length / type of experience.
Sr Financial Analyst- Marketing/ Credit Card
General Summary & Scope
Highly analytical role focusing on Advertising effectiveness, marketing mix optimization, marketing promotion reporting and analytics, test & learn analytics and total Marketing budget management.
Finance partner to the Marketing team, including Brand, CRM and Loyalty teams.
Routinely provide key insights to drive accountability and financial improvement as well as influence marketing decisions
Prepare and improve regular promotion and performance dashboard reporting
Provide forecast variance reporting and analysis
Supervised by the Director of Marketing FP&A
Principal Duties and Responsibilities (*Essential Functions)
Maintain the short and long-term planning financial model
Heavy Excel modeling
Manage the monthly forecasting and annual budgeting processes for the total marketing budget
Provide timely and accurate insight on business trends and key performance indicators
Perform ad-hoc reporting and analyses (including ROI modeling and test & learn analytics) as required
Requirements
Job Specifications
4-7 years of professional financial analysis experience.
Experience in a financial support role in a retail environment helpful
P& L experience required for the SFA Credit Card role.
Undergraduate degree in finance, business, or related field
Strong analytical skills coupled with an ability to interpret and communicate findings.
Strong financial modeling and forecasting abilities and experience
Ability to influence decision makers and team members to drive results
Innate inquisitiveness relative to process workings and financial results
Must be a highly motivated, self-starter with desire to see personal and organizational effort lead to bottom line results
Knowledge of financial processes and internal controls
Comfortable working independently and in collaborative manner in a cross-functional environment
Excellent interpersonal and written communication skills
Demonstrated ability to meet deadlines in a fast-paced environment
Advanced Excel Skills and proficient in MS Office
SAP or Business Intelligence systems knowledge preferred
LIJF1
Fraud Investigations Credit Card Investigator
Under general guidance and supervision, this position typically handles investigations involving credit card fraud allegations and provides recommendations to a Principal Investigator or Team Lead for determination of case disposition. Following the investigation, case development and regulatory filing, may identify weaknesses / risks and recommend solutions to management.
Essential Functions:
Conducts thorough research and analysis of fraudulent activity related to credit card accounts referred by other departments.
Reviews case documentation and obtains additional information as necessary.
Maintains thorough and accurate case notes.
Understands and adheres to suspicious activity filing requirements and processes, as required for this position.
Prepares suspicious activity reports in accordance with established guidelines, processes and procedures.
Maintains files in conjunction with record keeping/legal records hold policies to comply with retention schedules or records.
Provides confidential reports to management as required.
May prepare cases for criminal and civil prosecution and attend court to pursue restitution and testify on behalf of the bank.
Refers matters to law enforcement as appropriate.
Responds to law enforcement inquiries as assigned.
Actively ensures compliance with the U.S. Bank Code of Ethics and all Anti-Money Laundering, Bank Secrecy Act, information security and suspicious activity reporting requirements, policies and procedures.
Actively participates in all required corporate and business line training.
May include minimal travel.
Basic Qualifications
Bachelor's degree, or equivalent work experience
Two to three years of experience in an applicable risk management environment
Preferred Skills/Experience
Prior experience in fraud investigations, financial/banking sector, accounting/auditing or law enforcement
Comprehensive knowledge of bank systems, rules of evidence and banking documents
Knowledge of various credit card platforms such as ICS, Hogan and Total Systems
Knowledge of or experience with Prepaid Cards is preferred
Strong interpersonal, written and oral communication skills
Ability to adhere to high levels of confidentiality and data security standards
Strong analytical and organizational skills as well as a high degree of initiative
Demonstrates positive, results orientated attitude
Proven track record of meeting tight deadlines
SAR form preparation and narrative writing
Professional licenses and certifications (e.g., CFE, CFCS, CFCI)
Fraud Investigations Credit Card Investigator
Under general guidance and supervision, this position typically handles investigations involving credit card fraud allegations and provides recommendations to a Principal Investigator or Team Lead for determination of case disposition. Following the investigation, case development and regulatory filing, may identify weaknesses / risks and recommend solutions to management.
Essential Functions:
Conducts thorough research and analysis of fraudulent activity related to credit card accounts referred by other departments.
Reviews case documentation and obtains additional information as necessary.
Maintains thorough and accurate case notes.
Understands and adheres to suspicious activity filing requirements and processes, as required for this position.
Prepares suspicious activity reports in accordance with established guidelines, processes and procedures.
Maintains files in conjunction with record keeping/legal records hold policies to comply with retention schedules or records.
Provides confidential reports to management as required.
May prepare cases for criminal and civil prosecution and attend court to pursue restitution and testify on behalf of the bank.
Refers matters to law enforcement as appropriate.
Responds to law enforcement inquiries as assigned.
Actively ensures compliance with the U.S. Bank Code of Ethics and all Anti-Money Laundering, Bank Secrecy Act, information security and suspicious activity reporting requirements, policies and procedures.
Actively participates in all required corporate and business line training.
May include minimal travel.
Basic Qualifications
Bachelor's degree, or equivalent work experience
Two to three years of experience in an applicable risk management environment
Preferred Skills/Experience
Prior experience in fraud investigations, financial/banking sector, accounting/auditing or law enforcement
Comprehensive knowledge of bank systems, rules of evidence and banking documents
Knowledge of various credit card platforms such as ICS, Hogan and Total Systems
Knowledge of or experience with Prepaid Cards is preferred
Strong interpersonal, written and oral communication skills
Ability to adhere to high levels of confidentiality and data security standards
Strong analytical and organizational skills as well as a high degree of initiative
Demonstrates positive, results orientated attitude
Proven track record of meeting tight deadlines
SAR form preparation and narrative writing
Professional licenses and certifications (e.g., CFE, CFCS, CFCI)
Credit Card Executive
Purpose of JobThe Credit Card Executive will primarily be responsible for managing the P&L for an individual product(s), ensuring business plan expectations are achieved with additional focus on expense management and end-to-end customer experience. This position is directly responsible for leading significant growth in one of USAA's most important portfolios. This Executive will work collaboratively with Marketing, Finance, Risk Management, Compliance, Legal, Information Technology, Operations and the Distribution Sales and Services groups to deliver an industry leading product offering that meets Member needs and drives profitability.
Job Requirements
Manage the P&L ensuring business plan expectations are achieved with a focus on growing Membership and driving profitability.
Regularly review and manage the product set (feature/functionality) for appropriateness of financials, marketing strategy, market competitiveness, Member Experience, regulatory compliance, risk management, as well as efficiency of operation and technology delivery. Document the results and develop a plan for closing gaps.
Provide product performance reporting to senior management that is inclusive of USAA's performance as well as industry benchmark data; be an expert with respect to the competitive landscape.
Work collaboratively across Product, Marketing, Finance, Credit Risk Management, Legal, Information Technology, Operations, and the Distribution Sales and Services groups to deliver an industry leading product offering that drives strong profitability growth across USAA.
Optimize product mix, leveraging segmentation to drive profit, Member satisfaction, and retention. Directly accountable for executing product and emerging payment strategy (Build, Buy, Ally), working with marketing partners to create customer demand and increase cross-sell capabilities across the distribution network.
Manage plan for growing products through the creation and implementation of an effective segmentation strategy, including product profitability, service standards, and lifecycle management.
Responsible for communicating the product value proposition to Distribution organization. Ensure product team delivers sales support to all distribution channels (e.g., .com, mobile, contact center) so that the product is properly positioned to customers (sales tool and collateral development, sales training, etc.).
Manage 3rd Party Relationships (IT, 3rd products, and alliances).
Required:
Bachelor's degree in Business, Marketing, Supply Chain Management, Statistics, or related discipline OR 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree
10+ years of progressive related experience developing strategies, managing major initiatives and delivering results within a complex matrix environment
4+ years of people leadership experience in building, managing and/or developing high-performing teams
Experience collaborating with key resources and stakeholders, influencing decisions and managing work to achieve strategic goals
Executive-level business acumen in the areas of business operations, industry practices and emerging trends
Preferred Qualifications:
5+ years' experience in managing a Credit Card product lines or businesses
Strong business and financial analytic capabilities around product P&L's, marketing programs, business development/partnership programs and risk management
Experience in marketing, finance, analytics, operations, compliance, digital or IT teams in partnership with card teams
Demonstrated expertise in technology solutions, especially with respect to product features (e.g. rewards platforms), product acquisition (retail delivery platforms – e.g. internet, mobile) and product life cycle management
Experience in the development of new and on-going management of existing 3rd party alliances
Understanding of current and changing regulatory environment, with an emphasis on impact to current and new product development
Advanced degree or studies in the area of Business Administration
CCB Risk Credit Forecasting Card Cecl Implementation-Associate
CCB Risk Credit Forecasting Card CECL Implementation-Associate
Req #: 180090247_1
Location:Brooklyn,NY,US
Job Category: Accounting/Finance/Audit/Risk
Job Description:
Chase & Co. (NYSE: JPM) is a leading global financial services firm with operations worldwide. The firm is a leader in investment banking, financial services for consumers and small business, commercial banking, financial transaction processing, and asset management. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of consumers in the United States and many of the world's most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands. Information about JPMorgan Chase & Co. is available athttp://www.jpmorganchase.com/.
Our Firmwide Risk Function is focused on cultivating a stronger, unified culture that embraces a sense of personal accountability for developing the highest corporate standards in governance and controls across the firm. Business priorities are built around the need to strengthen and guard the firm from the many risks we face, financial rigor, risk discipline, fostering a transparent culture and doing the right thing in every situation. We are equally focused on nurturing talent, respecting the diverse experiences that our team of Risk professionals bring and embracing an inclusive environment.
Chase Consumer & Community Banking (CCB) serves consumers and small businesses with a broad range of financial services, including personal banking, small business banking and lending, mortgages, credit cards, payments, auto finance and investment advice. Consumer & Community Banking Risk Management partners with each CCB sub-line of business to identify, assess, prioritize and remediate risk. Types of risk that occur in consumer businesses include fraud, reputation, operational, credit, market and regulatory, among others
The CCB credit forecasting function is responsible for reporting and forecasting of loan losses, allowances, margin and capital. The function uses multiple approved models for predicting the future performance of the credit portfolio for BAU planning & reporting. In addition the team is also responsible for production, reporting and analytics for stress losses under CCAR, ICAAP and Risk Appetite scenarios.
We are seeking an Associate to join the CCB Card Credit Forecasting team focused on implementation of the new allowance standards Current Expected Credit Loss "CECL". The incumbent will work on several initiatives and work streams in order to get Card business ready for CECL adoption in Q1 2020 and implementation of CECL in CCAR for the 2020 cycle. This is a very high visibility role and will include substantial interaction and senior officers in the business. The candidate will collaborate closely with various key stakeholders across the Firm, including Credit Risk Management, Risk Modeling, Model Validation, Finance, Controllership, Corporate Accounting Policy, Technology, Program Management as well as colleagues within the Forecasting teams.
Key Responsibilities:
Define forecasting and modeling requirements to ensure the CECL models are compliant with accounting policy.
Establish, define, and implement the business operating CECL model for Card business, which entails a thorough understanding of the end-to-end allowance process and associated infrastructure;
Engage stakeholders and senior management in a 'dry run' of the CECL operating model prior to go-live
Support the Card business in implementation of CECL through extensive testing
Perform various ad-hoc analytics to inform decision making
Partner with technology to develop reporting and analytics tools by providing business requirements
Develop SOX controls for CECL in compliance with requirements, incorporating insight from auditors
Prepare presentations for senior management and other key stakeholders
Create and maintain comprehensive documentation and standard operating procedures related to the allowance process
Act as subject matter expert on allowance and serve as primary point of contact for internal and external stakeholders
Represent the firm in industry conferences
Minimum 3-5 years of relevant experience, preferably within credit risk and analytics. Credit forecasting experience, including allowances and CCAR within consumer businesses is a big plus
Proven track record of delivering high quality results within tight deadlines; ability to manage multiple priorities
Strong analytical, problem solving, and process re-engineering skills
Investigative mindset, able to see issues at both a high level and in detail
Very strong verbal and written communication skills as there will be substantial exposure and update to C-level officers, regulators and external auditor
Energetic self-starter who takes ownership
Strong team player, comfortable working with all levels of the organization
Interest and ability to work in a fast-paced and dynamic environment
Preference will be given to candidates with card experience
CCB Risk Credit Forecasting Card Associate
CCB Risk Credit Forecasting Card Associate
Req #: 180095202_1
Location:Plano,TX,US
Job Category: Accounting/Finance/Audit/Risk
Job Description:
JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with operations worldwide. The firm is a leader in investment banking, financial services for consumers and small business, commercial banking, financial transaction processing, and asset management. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of consumers in the United States and many of the world's most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands. Information about JPMorgan Chase & Co. is available athttp://www.jpmorganchase.com/.
Our Firmwide Risk Function is focused on cultivating a stronger, unified culture that embraces a sense of personal accountability for developing the highest corporate standards in governance and controls across the firm. Business priorities are built around the need to strengthen and guard the firm from the many risks we face, financial rigor, risk discipline, fostering a transparent culture and doing the right thing in every situation. We are equally focused on nurturing talent, respecting the diverse experiences that our team of Risk professionals bring and embracing an inclusive environment.
Chase Consumer & Community Banking (CCB) serves consumers and small businesses with a broad range of financial services, including personal banking, small business banking and lending, mortgages, credit cards, payments, auto finance and investment advice. Consumer & Community Banking Risk Management partners with each CCB sub-line of business to identify, assess, prioritize and remediate risk. Types of risk that occur in consumer businesses include fraud, reputation, operational, credit, market and regulatory, among others
As an Associate in the Loss Forecast and Portfolio Analytics team you will be working to provide oversight and drive production of the Credit loss forecast and loan loss reserve(LLR) for all JP Morgan Chase Credit Cards
Responsibilities
In this highly visible role, the successful candidate will actively help determine the loss forecasting results and drivers. This information will be presented to executive management and other internal clients.
Participate in cross functional communications with Risk Management, Finance, Marketing and Collections to inform the forecast on current learnings and incorporate strategic initiatives
Lead advanced analyses to assess relationships and patterns driving loss performance
Produce the loss forecast and maintenance of associated loss models
Help spearhead best in class documentation and operational risk and audit controls surrounding the loss forecasting and LLR
A bachelor's degree in a quantitative discipline (Finance/Stats/Econ/Math/Engineering) or equivalent work/training is required. Advanced degree preferred.
3+ years of Credit risk Management, Marketing Analytics and/or Consulting experience
Strong knowledge of SAS, SQL and MS Office required
Strong P&L knowledge and understanding of drivers of profitability
Ability to efficiently compress large amounts of data into short and concise presentations with sound business conclusions
Strong analytical, interpretive and problem solving skills with the ability to interpret large amounts of data and its impact in both operational and financial areas
Transferable Skills:
Excellent oral and written communication skills
Ability to develop elegant and common-sense solutions to complex business challenges
Ability to structure analyses to solve business questions and problems
CCB Risk Credit Forecasting Card Cecl Implementation-Associate
CCB Risk Credit Forecasting Card CECL Implementation-Associate
Req #: 180090247
Location:Wilmington,DE,US
Job Category: Accounting/Finance/Audit/Risk
Job Description:
Chase & Co. (NYSE: JPM) is a leading global financial services firm with operations worldwide. The firm is a leader in investment banking, financial services for consumers and small business, commercial banking, financial transaction processing, and asset management. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of consumers in the United States and many of the world's most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands. Information about JPMorgan Chase & Co. is available athttp://www.jpmorganchase.com/.
Our Firmwide Risk Function is focused on cultivating a stronger, unified culture that embraces a sense of personal accountability for developing the highest corporate standards in governance and controls across the firm. Business priorities are built around the need to strengthen and guard the firm from the many risks we face, financial rigor, risk discipline, fostering a transparent culture and doing the right thing in every situation. We are equally focused on nurturing talent, respecting the diverse experiences that our team of Risk professionals bring and embracing an inclusive environment.
Chase Consumer & Community Banking (CCB) serves consumers and small businesses with a broad range of financial services, including personal banking, small business banking and lending, mortgages, credit cards, payments, auto finance and investment advice. Consumer & Community Banking Risk Management partners with each CCB sub-line of business to identify, assess, prioritize and remediate risk. Types of risk that occur in consumer businesses include fraud, reputation, operational, credit, market and regulatory, among others
The CCB credit forecasting function is responsible for reporting and forecasting of loan losses, allowances, margin and capital. The function uses multiple approved models for predicting the future performance of the credit portfolio for BAU planning & reporting. In addition the team is also responsible for production, reporting and analytics for stress losses under CCAR, ICAAP and Risk Appetite scenarios.
We are seeking an Associate to join the CCB Card Credit Forecasting team focused on implementation of the new allowance standards Current Expected Credit Loss "CECL". The incumbent will work on several initiatives and work streams in order to get Card business ready for CECL adoption in Q1 2020 and implementation of CECL in CCAR for the 2020 cycle. This is a very high visibility role and will include substantial interaction and senior officers in the business. The candidate will collaborate closely with various key stakeholders across the Firm, including Credit Risk Management, Risk Modeling, Model Validation, Finance, Controllership, Corporate Accounting Policy, Technology, Program Management as well as colleagues within the Forecasting teams.
Key Responsibilities:
Define forecasting and modeling requirements to ensure the CECL models are compliant with accounting policy.
Establish, define, and implement the business operating CECL model for Card business, which entails a thorough understanding of the end-to-end allowance process and associated infrastructure;
Engage stakeholders and senior management in a 'dry run' of the CECL operating model prior to go-live
Support the Card business in implementation of CECL through extensive testing
Perform various ad-hoc analytics to inform decision making
Partner with technology to develop reporting and analytics tools by providing business requirements
Develop SOX controls for CECL in compliance with requirements, incorporating insight from auditors
Prepare presentations for senior management and other key stakeholders
Create and maintain comprehensive documentation and standard operating procedures related to the allowance process
Act as subject matter expert on allowance and serve as primary point of contact for internal and external stakeholders
Represent the firm in industry conferences
Minimum 3-5 years of relevant experience, preferably within credit risk and analytics. Credit forecasting experience, including allowances and CCAR within consumer businesses is a big plus
Proven track record of delivering high quality results within tight deadlines; ability to manage multiple priorities
Strong analytical, problem solving, and process re-engineering skills
Investigative mindset, able to see issues at both a high level and in detail
Very strong verbal and written communication skills as there will be substantial exposure and update to C-level officers, regulators and external auditor
Energetic self-starter who takes ownership
Strong team player, comfortable working with all levels of the organization
Interest and ability to work in a fast-paced and dynamic environment
Preference will be given to candidates with card experience
US Consumer Card Credit Strategy Analyst
Job Description:
Responsible for supporting projects and initiatives within US Consumer Card Credit Strategies supporting all areas of Account Management. Role entails performing complex analysis and modeling that maximizes profits and asset growth and minimizes credit and operating losses and other risk exposures.
This position entails managing multiple projects and developing analyses for the purpose of making recommendations to optimize card portfolio management strategies. Reviews and analyzes trends, population distributions, and recommends strategy enhancements.
The position requires being able to utilize sophisticated database analysis tools for data identification, preparation, collection and extraction for the purpose of implementing strategies that meet or exceed performance expectations.
Additionally, this position requires building strong relationships and partnerships with other stakeholders including Credit Risk, Finance, Product & other areas of USCC Account Management.
Posting Date: 02/17/2019
Location: Newark, DE, Christiana II, 1000 Samoset Dr, Charlotte, NC, ONE BANK OF AMERICA CENTER, 150 N COLLEGE ST, - United States
Travel: Yes, 5% of the time
Full / Part-time: Full time
Hours Per Week: 40
Shift: 1st shift
US Consumer Card Credit Strategy Analyst
Job Description:
Responsible for supporting projects and initiatives within US Consumer Card Credit Strategies supporting all areas of Account Management. Role entails performing complex analysis and modeling that maximizes profits and asset growth and minimizes credit and operating losses and other risk exposures.
This position entails managing multiple projects and developing analyses for the purpose of making recommendations to optimize card portfolio management strategies. Reviews and analyzes trends, population distributions, and recommends strategy enhancements.
The position requires being able to utilize sophisticated database analysis tools for data identification, preparation, collection and extraction for the purpose of implementing strategies that meet or exceed performance expectations.
Additionally, this position requires building strong relationships and partnerships with other stakeholders including Credit Risk, Finance, Product & other areas of USCC Account Management.
Posting Date: 02/17/2019
Location: Newark, DE, Christiana II, 1000 Samoset Dr, Charlotte, NC, ONE BANK OF AMERICA CENTER, 150 N COLLEGE ST, - United States
Travel: Yes, 5% of the time
Full / Part-time: Full time
Hours Per Week: 40
Shift: 1st shift
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