Credit Card Clerk Job Description Sample

Loyalty programs are a major driver of customer engagement with most businesses, and are the most important factor customers consider in choosing a credit card. The brand perception, customer experience and overall value of a loyalty program underpin the success or failure of a credit card portfolio.

The Loyalty Manager, U.S. Rewards is accountable to manage all facets of the BMO Harris Rewards and CashBack credit card reward programs. These loyalty programs support a range of customer segments from consumer mass market to affluent consumers and small businesses.

This role reports into the Director, Proprietary Retail Payments Products & North American Rewards and is accountable to the Head of US Payments, and has two major elements:

1. Loyalty program management;
2. Loyalty program design and development.
   1.Loyalty program management

• Effective management of proprietary loyalty programs is critical to delivering the right customer experience, supporting the growth objectives of the business, managing costs and profitability, and managing risk. This role is accountable for the day to day management of BMO Harris' U.S. proprietary loyalty programs, including:

• Building and executing a customer communications and engagement plan with vendors/partners, Marketing and Portfolio Management teams to maximize engagement with the loyalty program

• Actively managing reward costs and outstanding liabilities, including planning and forecasting, reporting and insights, reward offering and mix, and marketing activities to drive more profitable customer redemption behavior

• Managing supplier and partner relationships, including managing contracts, performance metrics, profitability, due diligence and the day-to-day relationship

• Effectively managing risk, including rewards fraud, and ensuring compliance with all laws, rules and BMO policies

• Ensuring effective policies, procedures and processes

• Leading and/or participating in initiatives across the bank related to U.S. proprietary loyalty programs, and resolving issues and customer escalations.
  2.Loyalty program design and development

• The loyalty landscape is evolving very quickly driven by innovation in technology and business models across a range of industries. This role is accountable for ensuring BMO Harris delivers best in class loyalty experiences that drive customer loyalty and financial performance. This accountability includes:

• Working with the Director, Proprietary Retail Payments Products & North American Rewards, US Working with the Director, Proprietary Retail Payments Products & North American Rewards, US Consumer Credit product lead, US Small Business Credit product lead, US Initiatives Manager and other key stakeholders to develop the strategy and roadmap for BMO Harris's U.S. proprietary loyalty programs based on deep customer insights

• Designing, building and enhancing BMO Harris' U.S. proprietary loyalty programs over time to deliver an exceptional customer experience

• Optimizing the rewards offering and customer journey

• Continually finding ways to enhance customer engagement and the loyalty experience through innovative new value added services and engagement tools like gamification and personalization

• Continually monitoring the competitive environment and anticipating customer needs

• Working with the Director, Proprietary Retail Payments Products & North American Rewards, US payment product team and other key stakeholders to develop new loyalty partnerships to deliver more value and enhance customer experiences

• Periodically participating as a core team member in selecting loyalty vendors and partners and negotiating contracts

KNOWLEDGE AND SKILLS

Knowledge & Experience

• Strong track record delivering results in ambiguous and challenging situations

• 4-6 years loyalty program and/or product management experience

• 2-3 years partnership management & payments experience

• P&L accountability

• Minimum undergraduate university degree, an MBA or other post-graduate degree, or equivalent industry related experience preferred

Skills

• Strategic thinker who can develop and execute near-term and long-term strategies and roadmaps

• Proven ability to build relationships with external partners and colleagues across different business units and groups

• Proven ability to influence without authority and drive change

• Able to think like a customer and design the right customer experience

• Proven ability to manage multiple facets of a complex business and effectively prioritize most important business levers and initiatives

• Excellent business acumen and financial, analytic and business casing skills

• Very strong communication skills (oral and written) with ability to frame and effectively communicate complex problems

• Excellent problem solving skills

• Team-oriented, collaborative and flexible

• Strong time management and project management skills

• Risk management capabilities

We're here to help

At BMO Harris Bank we have a shared purpose; we put the customer at the center of everything we do – helping people is in our DNA. For 200 years we have thought about the future—the future of our customers, our communities and our people. We help our customers and our communities by working together, innovating and pushing boundaries to bring them our very best every day. Together we're changing the way people think about a bank.

As a member of the BMO Harris Bank team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we'll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://bmoharriscareers.com.

BMO Harris Bank is committed to an inclusive, equitable and accessible workplace. By learning from each other's differences, we gain strength through our people and our perspectives. BMO Harris Bank is an Equal Opportunity Employer for all, inclusive of Minorities, Women, Veterans, and Persons with Disabilities.

Job Description:

Responsible for supporting projects and initiatives within US Consumer Credit Card Strategies. Role entails development, execution and validation of line management and collateral return strategies for the credit builder and student portfolio. Performs complex risk analysis that maximizes profits and asset growth and minimizes credit and operating losses and other risk exposures. Works closely with business partners to share risk data, communicate strategy changes, and drive business transformation. Strong analytical skills with experience manipulating large data sets in SAS or similar software.

This position can also be filled with a highly qualified Analyst II.

Required Skills:

• 2+ years prior experience in developing consumer credit strategies or Masters in Statistics, Applied Economics, Business Administration or related field.

• Strong analytical, logical reasoning and problem solving skills required.

• Strong knowledge of statistics and data mining techniques.

• Proficient with SAS, SQL, and Excel software.

• Proficient in MS Office including Word, Excel, and PowerPoint.

• Effective project management and organizational skills with the ability to prioritize workloads.

• Bachelors degree in business, math, statistics, economics or related discipline.

Desired Skills:

• Previous credit experience and knowledge of credit policies and procedures for consumer or small business lending

• Strong understanding of risk strategies, financial drivers, and credit operations with proven problem solving skills

Posting Date: 10/12/2018

Location: Phoenix, AZ, CAMELBACK BLDG, 1825 E BUCKEYE RD, Wilmington, DE, BRACEBRIDGE I, 1100 N King St, Charlotte, NC, ONE BANK OF AMERICA CENTER, 150 N COLLEGE ST, Plano, TX, 6400 LEGACY DR (TX2972), - United States

Travel: Yes, 5% of the time

Full / Part-time: Full time

Hours Per Week: 40

Shift: 1st shift

Job Description:

Responsible for supporting projects and initiatives within US Consumer Credit Card Strategies. Role entails development, execution and validation of line management and collateral return strategies for the credit builder and student portfolio. Performs complex risk analysis that maximizes profits and asset growth and minimizes credit and operating losses and other risk exposures. Works closely with business partners to share risk data, communicate strategy changes, and drive business transformation. Strong analytical skills with experience manipulating large data sets in SAS or similar software.

This position can also be filled with a highly qualified Analyst II.

Required Skills:

• 2+ years prior experience in developing consumer credit strategies or Masters in Statistics, Applied Economics, Business Administration or related field.

• Strong analytical, logical reasoning and problem solving skills required.

• Strong knowledge of statistics and data mining techniques.

• Proficient with SAS, SQL, and Excel software.

• Proficient in MS Office including Word, Excel, and PowerPoint.

• Effective project management and organizational skills with the ability to prioritize workloads.

• Bachelors degree in business, math, statistics, economics or related discipline.

Desired Skills:

• Previous credit experience and knowledge of credit policies and procedures for consumer or small business lending

• Strong understanding of risk strategies, financial drivers, and credit operations with proven problem solving skills

Posting Date: 10/12/2018

Location: Phoenix, AZ, CAMELBACK BLDG, 1825 E BUCKEYE RD, Wilmington, DE, BRACEBRIDGE I, 1100 N King St, Charlotte, NC, ONE BANK OF AMERICA CENTER, 150 N COLLEGE ST, Plano, TX, 6400 LEGACY DR (TX2972), - United States

Travel: Yes, 5% of the time

Full / Part-time: Full time

Hours Per Week: 40

Shift: 1st shift

West Creek 1 (12071), United States of America, Richmond, Virginia

At Capital One, we're building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit. We are succeeding because they are succeeding.

Guided by our shared values, we thrive in an environment where collaboration and openness are valued. We believe that innovation is powered by perspective and that teamwork and respect for each other lead to superior results. We elevate each other and obsess about doing the right thing. Our associates serve with humility and a deep respect for their responsibility in helping our customers achieve their goals and realize their dreams. Together, we are on a quest to change banking for good.

US CARD Credit Bureau Disputes- Process Manager

Capital One, a Fortune 500 company and one of the nation's top 10 banks, offers a broad spectrum of financial products and services to consumers, small businesses and commercial clients. Our goal is to create one of the nation's great banks, and we have the necessary ingredients: a strong balance sheet, resilient businesses, a massive customer franchise, strong analytical capabilities, and great people. We nurture a work environment where people with a variety of thoughts, ideas and backgrounds, guided by our shared Values, come together to make Capital One a great company – and a great place to work.

We are seeking a high performing Manager, Process Management that has a bias for action relative to improving back office processes, is experienced in agile methodologies, can bring game changing transformation and has a vision for the future.

The CBD Continuous Improvement Team (CIM) manages an aggressive continuous improvement agenda on behalf of the US CARD Credit Bureau Disputes operations. The Credit Bureau Disputes operation primarily processes credit file disputes that are received from consumers via phone, mail, and indirectly from the credit reporting agencies. The CIM team is responsible for driving resolution of operations performance gaps when process oriented, managing large project, platform, and partner changes for the integration into existing process flows, and triaging voice of the agent/customer inputs in an agile environment.

This role will also have direct people-management responsibility for a team of process managers and process coordinators who will execute on the CIM agenda.

Responsibilities of this role may include:

• Driving process improvements focused on risk reduction & desired customer outcomes

• Leading the daily interaction of a small team of direct reports using agile methodology

• Regularly prioritizing a backlog of BAU process improvement initiatives as business evolves

• Work with various stakeholders to establish roadmaps in ambiguous context

• Helping team to remove impediments using a strong problem-solving approach – knowing when to escalate

• Designing and producing metrics used to measure efficiency and effectiveness of capabilities and features

• Providing subject matter expertise on CBD business processes

Basic Qualifications:

• High School Diploma, GED or equivalent certification, or Military experience

• At least 2 years of experience in Process management

• At least 2 years of experience in People management

• At least 2 years of experience in Relationship management

Preferred Qualifications:

• Bachelor's Degree in Business Management, Process Management, Project Management, Risk Management, Communications, Computer Science or Information Systems

• Lean certification or Six Sigma certification

• At least 5 years of experience in Process management

• At least 5 years of experience in People management

• At least 5 years of experience in Complex problem solving

• At least 5 years of experience in Relationship management

At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

Job Description:

Responsible for supporting projects and initiatives within US Consumer Credit Card Strategies. Role entails development, execution and validation of line management and collateral return strategies for the credit builder and student portfolio. Performs complex risk analysis that maximizes profits and asset growth and minimizes credit and operating losses and other risk exposures. Works closely with business partners to share risk data, communicate strategy changes, and drive business transformation. Strong analytical skills with experience manipulating large data sets in SAS or similar software.

This position can also be filled with a highly qualified Analyst II.

Required Skills:

• 2+ years prior experience in developing consumer credit strategies or Masters in Statistics, Applied Economics, Business Administration or related field.

• Strong analytical, logical reasoning and problem solving skills required.

• Strong knowledge of statistics and data mining techniques.

• Proficient with SAS, SQL, and Excel software.

• Proficient in MS Office including Word, Excel, and PowerPoint.

• Effective project management and organizational skills with the ability to prioritize workloads.

• Bachelors degree in business, math, statistics, economics or related discipline.

Desired Skills:

• Previous credit experience and knowledge of credit policies and procedures for consumer or small business lending

• Strong understanding of risk strategies, financial drivers, and credit operations with proven problem solving skills

Posting Date: 10/12/2018

Location: Phoenix, AZ, CAMELBACK BLDG, 1825 E BUCKEYE RD, Wilmington, DE, BRACEBRIDGE I, 1100 N King St, Charlotte, NC, ONE BANK OF AMERICA CENTER, 150 N COLLEGE ST, Plano, TX, 6400 LEGACY DR (TX2972), - United States

Travel: Yes, 5% of the time

Full / Part-time: Full time

Hours Per Week: 40

Shift: 1st shift

Role Description:

Answer incoming customer inquiries, process credit card applications, written customer requests and grant credit extensions based upon department policies and guidelines and the approved lending authority for this position. Abide by applicable policies, laws and regulations.

Understand and comply with bank's BSA/AML program. Perform research where credit information is not provided and verify information as needed.

Key Accountabilities:
1.Understand and comply with the Bank's BSA/AML Program, which includes, but is not limited to the following.
2.Understand and adhere to all bank policy, laws and regulations applicable to role,
3.Maintain the department's Productivity standards for a Sr. Specialist.
4.Maintain the department's Decision and Procedure Accuracy standard for a Sr. Specialist.
5.Cross-train in functional work areas under the Credit Operations Management team as well as perform Miscellaneous Duties as assigned by management.
6.Provide comprehensive and professional customer service while accurately answering incoming customer inquiries from both internal and external customers.
7.Exhibit professional behavior and promote positive working relationships

Job Qualifications:

Required:

o Ability to multi-task and prioritize projects and meet multiple overlapping deadlines.

o Previous customer service experience is required

o Excellent attention to detail

o Ability to independently resolve daily issues

o Excellent oral and written communication skills

o Proficient with Microsoft suite of products

o Ability to plan, organize and implement with minimal direction

Desired:

o Excellent PC skills desired

o College Degree or equivalent work experience

o General knowledge of banking rules and regulations.

o Strong teamwork and interpersonal skills.

o Needs knowledge of the FNWork System, LAN, TBS, ACAPS

o 5+ years of Credit Card & Systems experience

Job Description:

Responsible for supporting projects and initiatives within US Consumer Credit Card Strategies. Role entails development, execution and validation of line management and collateral return strategies for the credit builder and student portfolio. Performs complex risk analysis that maximizes profits and asset growth and minimizes credit and operating losses and other risk exposures. Works closely with business partners to share risk data, communicate strategy changes, and drive business transformation. Strong analytical skills with experience manipulating large data sets in SAS or similar software.

This position can also be filled with a highly qualified Analyst II.

Required Skills:

• 2+ years prior experience in developing consumer credit strategies or Masters in Statistics, Applied Economics, Business Administration or related field.

• Strong analytical, logical reasoning and problem solving skills required.

• Strong knowledge of statistics and data mining techniques.

• Proficient with SAS, SQL, and Excel software.

• Proficient in MS Office including Word, Excel, and PowerPoint.

• Effective project management and organizational skills with the ability to prioritize workloads.

• Bachelors degree in business, math, statistics, economics or related discipline.

Desired Skills:

• Previous credit experience and knowledge of credit policies and procedures for consumer or small business lending

• Strong understanding of risk strategies, financial drivers, and credit operations with proven problem solving skills

Posting Date: 10/12/2018

Location: Phoenix, AZ, CAMELBACK BLDG, 1825 E BUCKEYE RD, Wilmington, DE, BRACEBRIDGE I, 1100 N King St, Charlotte, NC, ONE BANK OF AMERICA CENTER, 150 N COLLEGE ST, Plano, TX, 6400 LEGACY DR (TX2972), - United States

Travel: Yes, 5% of the time

Full / Part-time: Full time

Hours Per Week: 40

Shift: 1st shift

Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice.

Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored for a set period of time. You may review, modify, or update your information by visiting and logging into the careers section of the system.

Job Description:

At Regions, the Product Manager assists in the development, execution and tracking of marketing or business segments programs for a product or product line by collecting, analyzing, reporting marketing and sales performance data.

Primary Responsibilities

• Coordinates promotional, marketing, and communication programs for all specified products and services as well as produce standard management reporting

• Researches and compiles business and industry competitive data to analyze and develop tactics to achieve strategic goals

• Analyzes sales information, projections and other meaningful data and present findings to business unit management

• May recommend marketing strategies including advertising, packaging, pricing, expense budgets, profit plans and future product development

• Prepares and/or provides support in the preparation and delivery of training and sales tools

• Acts as a subject matter expert, point of contact and lead of special projects pertaining to specified products and services

• Understands industry research around customer behaviors, new product offerings, new providers and regulatory impacts while keeping business unit and product development heads informed

• Assists in vendor relationship management including responding and sending requests, managing risks, and ensuring compliance adherence

• Ensures internal compliance with applicable legal and regulatory requirements

• Participates in new product development and may provide geography support as necessary

• Collaborates with sales teams to identify and implement sales tactics as well as partner with cross-functional teams to execute strategies

This position is exempt from timekeeping requirements under the Fair Labor Standards act and is not eligible for overtime pay.

Requirements

• Bachelors degree

• Seven years of experience in product development/management, market research or directly related experience

Skills and Competencies

• Excellent written and verbal communication skills

• Demonstrated success in launching products or major product enhancements

• Excellent organization and project management skills

• Proven ability of leading and influencing cross functional teams

• Critical thinking and planning

• Financial Analysis

• Proficiency in Microsoft Office including Word, PowerPoint, Excel and Access

Preferences

• Experience within the financial industry or with a banking institution

• Product Management Experience

• Proficient in data manipulation

This position is responsible for the growth of the consumer and small business credit card portfolios, which includes but is not limited to the development of new products, refinement of existing products and ensuring competitive value propositions while maintaining acceptable risk profiles.

Additional Preference:

• Functional knowledge of the credit card industry

Location:Birmingham, Alabama

EEO/AA/Minorities/Females/Disabled/Veterans

Job Description:

Hello. I'm Roberta, and I work here at Bank of America as a Client Services Representative. Before we jump into the qualifications for the role, I thought I'd take a moment and introduce you to a day in the life of a Client Services Representative.

Our customers are at the heart of everything we do. As a Client Services Representative, I make sure they know it by serving as their advocate.

When a customer has an issue with any credit card related transactions, I help them by investigating and finding a resolution to their needs. I work in an inbound call-center, so I have an opportunity to help a diverse range of clients, utilizing the various tools to initiative new claims, follow up on existing claims, make account adjustments when appropriate, appeal denied claims, and research and resolve other complex customer concerns. The best part of my job is being there for our customers and building their confidence in Bank of America's offerings.

My team genuinely likes working together. We're all different: different backgrounds, sexual orientations, gender identities, cultures, ethnicities. But we share a commitment to each other, and many of us are involved in company-sponsored Employee Networks. The company supports us in other ways too, with benefits like parental leave, tuition reimbursement, career development and more.

As a Client Services Representative, I know I'm doing something important. I'm making an impact on our customers as well as my own career.

If advocating for customers sounds like your next challenge, please apply. And good luck!

Required skills:

• Ability to work within the operating hours and days for this position as outlined in the posted job requisition.

• Ability to work the required days and hours as listed in the job requisition without any absences or vacation time in order to attend mandatory training.

• 1+ years of experience working with customers.

• 1+ years of experience handling difficult situations with customers.

• Intermediate proficiency (1-3 years of experience) in written (including grammar and spelling) and verbal communications

• Comfortable receiving ongoing performance feedback and coaching.

• Ability to engage with customers, begin a conversation, build rapport, and handle objections.

• Comfortable receiving ongoing performance feedback and coaching.

• Comfortable with ongoing change and learning new technology/processes.

• Ability to analyze and resolve customer inquiries.

• Ability to provide a positive customer experience through creative solutions.

• At least an intermediate ability in computer skills. Ability to navigate multiple computer systems while interacting with the customer

Desired skills :

• Ability to work weekends, either rotating or set days as outlined in the job requisition.

• Ability to work evenings, either rotating or set days as outlined in the job requisition.

• A minimum of 1-2 years of experience in the Banking/Financial industry.

• A minimum of 1-3 years of experience working in a call center.

• A minimum of 1-3 years of experience working in customer relations.

• A minimum of 1-3 years of experience performing repetitive tasks based on existing operating procedures under close supervision or from detailed written procedures.

Posting Date: 09/13/2018

Location: Brea, CA, 275 Valencia Ave (CA7701), - United States

Travel: No

Full / Part-time: Full time

Hours Per Week: 40

Shift: 1st shift