Credit Card Clerk Job Description Sample

Sofi's Risk Management group has responsibility for ensuring that the organizations growth in lending and other member related activities follows the company's risk appetite. The group directly manages the credit risk strategies and policies, partners with all of the other teams at Sofi to maintain strong third party risk management, strong compliance with regulations, excellent operational controls and delivering on a great customer experience.

We are currently looking for an experienced Director of Risk Management for Credit Card Acquisitions. This role will have responsibility for managing partnering with the Capital Markets, Finance, Operations, Legal and Compliance teams to implement value added risk strategies across our credit card & other consumer lending portfolios.

At SoFi, you'll become part of a new kind of finance company based around speed, transparency, and alignment with our members' interests. Our goal is to be at the center of our members' financial lives. We created student loan refinancing, addressing the biggest financial challenge of a new generation through a modern approach to lending and personal finance. We expanded into other types of loans, and then into insurance and wealth management with similarly inventive products and soon to be launched SoFi money a modern take on a checking or savings account. As the company has grown, we've been able to help more people with these tools. SoFi has achieved significant growth, with ambitious plans ahead, but to continue this growth we need great talent.

Responsibilities

The key role of this individual is to design & deploy an effective credit card acquisition risk control program. This includes, but not limited to:

• Working with the decision sciences organization to build & deploy risk & usage model

• Defining & deploying underwriting criteria working within the firm's risk appetite & investor's expectations of returns. This includes approve/decline, line management & pricing decisions

• Articulate clear expectations, get buy-in from key stakeholders & deliver against those expectations.

• Foster a culture of test & learn, improve & iterate rapidly.

• Building strong relationships with the product, engineering, capital markets team & marketing teams.

• Help train & develop junior risk managers. Shares broad experience across the organization.

Qualifications

• Master's degree in an analytical discipline

• 10-15 years of relevant work experience.

• 7+ years of credit risk experience (most of it in the unsecured consumer lending, preferably with a OCC regulated bank)

• 2+ years of management experience

• Commercial minded. Critical thinker.

• Good balance between result focused, process oriented, builds relationship & innovative

Benefits

• Free lunches, a fully stocked kitchen, and subsidized gym membership.

• Competitive salary packages and bonuses.

• A flexible vacation policy allows you to truly relax and reboot.

• Comprehensive health, vision, dental, and life insurance as well as disability benefits.

• 100% of health, vision, and dental premiums paid by SoFI for employees and their dependents.

• 401(k) and education on retirement planning.

• Tuition reimbursement on approved programs, up to $5,250 a year.

• Monthly contribution to help you pay off your student loans.

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Credit Card Lead Position:

Provide customer service and support to all areas of the University utilizing the Travel and Purchasing Card Programs. Responsible for ordering new cards, managing credit limits, and providing support for conversions and upgrades for both programs. Provide support for training and implementations related to both programs. Monthly metrics for Travel and Purchasing Cards. Functional Supervision for regular and student employees in Credit Card Operations. Serve as a key member of Credit Card Operations.

Required:

• High school diploma / GED.

• Four years Account Clerk or clerical bookkeeping / business experience

• Data entry experience

• Detailed working knowledge of University policies and procedures

• Excellent verbal communication with telephone etiquette and proofreading skills

• Outstanding interpersonal and customer service skills

• Strong organizational and time management skills with emphasis on accuracy and attention to detail

• Analytical individual with ability to identify and determine problems, analyze information and implement solutions

• Ability to work independently and collaborate in a team environment

• Proficient in: Microsoft Word, Outlook and Excel

Preferred:

• Two years' supervision experience

• Customer service, accounts payable, and procurement experience

• Knowledge of University purchasing procedures and processes

• Software: SAP and Ariba

Additional Information:

• Attached Resume document required.

• Purdue will not sponsor employment authorization for this position.

• A background check will be required for employment in this position.

• This was formerly classified as an operational/technical position, an internal lateral transfer will retain same benefit standing.

• FLSA: Non-Exempt (Eligible for Overtime)

• Retirement Eligibility: Non-exempt Defined Contribution Plan

• Purdue University is an EOE/AA employer. All individuals, including minorities, women, individuals with disabilities, and veterans are encouraged to apply.

About the Role

While known primarily as a lender, SoFi is also rolling out products that meet the daily spending and savings needs of its enthusiastic member community. One of these products is a revolving credit card product, which will be unique in its high value proposition and leading-edge features and functionality. Built for mobile from the ground up, SoFi's credit card product will integrate within the SoFi financial services platform and be positioned to be a top of wallet card for discriminating consumers.

At SoFi, you'll become part of a new kind of finance company based around speed, transparency, and alignment with our members' interests. Our goal is to be at the center of our members' financial lives. We created student loan refinancing, addressing the biggest financial challenge of a new generation through a modern approach to lending and personal finance. We expanded into other types of loans, and then into insurance and wealth management with similarly inventive products and soon to be launched SoFi money a modern take on a checking or savings account. As the company has grown, we've been able to help more people with these tools. SoFi has achieved significant growth, with ambitious plans ahead, but to continue this growth we need great talent.

Primary Responsibilities

Drive the rollout and building of a credit card business unit across many groups within SoFi. Other groups include Product, Engineering, Compliance, Operations, Risk, Finance and Marketing

• Serve as a senior program manager for the organizational build out to support the credit card business unit.

• Drive critical vendor relationships including the issuing processor and sponsor bank

• Develop a governance model for SoFi and the sponsor bank, and chair regular meetings of the governing board

• Develop key metrics for managing the credit card business unit, and work with data analytics to produce dashboards for the business unit

• Work closely with Risk and Finance to participate in the building of unique underwriting and pricing engines that maximize profitability while providing value to customers.

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

• Own the relationship with the payment network provider, to drive a mutually beneficial relationship

Skills and Competencies

• First and foremost, leadership and the ability to influence a diverse group of constituents

• Demonstrated success in launching new business units

• Excellent organization and project management skills

• Proven ability of leading and influencing cross functional teams

• Critical thinking and planning

• Excellent written and verbal communication skills

• Financial Analysis, ability to develop and analyze product pro formas

Preferences

• Experience with a card issuer launching a high reward, successful card program

• Experience within the financial industry or with a banking institution

• Program management experience highly desirable

• This position is responsible for building a cross team credit card issuing organization within SoFi

Requirements

• Bachelors degree

• Seven

• years of experience in credit card business unit management

• Seven

• years of experience with a credit card issuer

Benefits

• Employer paid lunch program, a fully stocked kitchen, and subsidized gym membership.

• Competitive salary packages and bonuses.

• A flexible vacation policy allows you to truly relax and reboot.

• Comprehensive health, vision, dental, and life insurance as well as disability benefits.

• 100% of health, vision, and dental premiums paid by SoFI for employees and their dependents.

• 401(k) and education on retirement planning.

• Tuition reimbursement on approved programs, up to $5,250 a year.

• Monthly contribution to help you pay off your student loans

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The Sr. CreditCard Product Manager will be responsible for helping ensure the competitivenessof Wintrust's commercial and consumer card products and services, driving theexecution of identified strategic initiatives forward. This includes responsibility for the growthof the credit card portfolios, which includes management of existing productsand new product development, working closely with internal teams and externalvendors. The Sr. Credit Card ProductManager is expected to have a thorough understanding of the credit cardindustry and competitive landscape related to pricing, functionality and thecompetitive advantages of products managed.

Key Accountabilities:

• Serveas subject matter expert for credit card products, supporting internal salesteams and external customers.

• Manageprojects as assigned managing through matrixed resources to deliver results onschedule.

• Provide/ recommend / identify new product and revenue opportunities.

• Reviewexisting procedures, processes, and problems and recommend where automation orimprovement processes can be implemented.

• Ensureinternal compliance with applicable legal and regulatory requirements.

• 5 years of directly related work experience within Credit Card industry or with abanking institution

• Collegedegree in area strongly preferred, but not required

• Excellentcommunication skills (verbal and written)

• Stronginterpersonal and relationship-building skills required

• Advancedcomputer skills

• Abilityto resolves complex problems with independent action

WintrustFinancial Corporation (Wintrust) is a financial services company based inRosemont, Illinois, with approximately $27 billion in assets. We engage in thebusiness of providing traditional community banking services, commercialbanking, wealth management services, commercial insurance premium financing,life insurance premium financing, mortgage origination, short-term accountsreceivable financing, and certain administrative services, such as dataprocessing of payrolls, billing and treasury management services. We providecommunity-oriented, personal and commercial banking services to customerslocated in the greater Chicago, Illinois and southern Wisconsin areas throughour 15 wholly-owned banking subsidiaries.

We provide an engaging, dynamic work environment, anexcellent compensation package including 401k, employee stock purchase plan,medical/dental, life insurance and more!

Wintrust Financial Corporation, including community bankingand financial services subsidiaries, is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment withoutregard to race, color, religion, ethnicity, gender, sexual orientation, genderidentity, national origin, veteran status, or disability.

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About the Role

While known primarily as a lender, SoFi is also rolling out products that meet the daily spending and savings needs of its enthusiastic member community. One of these products is a revolving credit card product, which will be unique in its high value proposition and leading-edge features and functionality. Built for mobile from the ground up, SoFi's credit card product will integrate within the SoFi financial services platform and be positioned to be a top of wallet card for discriminating consumers.

This role is responsible for the strategy and product planning throughout the credit card product lifecycle, including: defining the product vision, gathering and prioritizing product requirements, and working closely with engineering, design, marketing, member services and operations to productize revenue and customer satisfaction goals, as well as ensure that the product supports the company's overall strategy and goals.

At SoFi, you'll become part of a new kind of finance company based around speed, transparency, and alignment with our members' interests. Our goal is to be at the center of our members' financial lives. We created student loan refinancing, addressing the biggest financial challenge of a new generation through a modern approach to lending and personal finance. We expanded into other types of loans, and then into insurance and wealth management with similarly inventive products and soon to be launched SoFi money a modern take on a checking or savings account. As the company has grown, we've been able to help more people with these tools. SoFi has achieved significant growth, with ambitious plans ahead, but to continue this growth we need great talent.

Responsibilities

• Drive product development, owning the product vision and working closely with product designers to specify a mobile first product that blows away the competition

• Manage development via partnering with software engineering and be viewed as the business expert and go to person for product functionality

• Coordinate with marketing on value proposition articulation and rollout plans

• Monitor existing and emerging competitive products

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

• Work as team member with marketing to recommend and collaborate on marketing strategies including advertising, packaging, pricing, expense budgets, profit plans and future product development

• Develop multiyear roadmap to include development of other card products for new customer segments not currently addressed by SoFi

• Be viewed as "the subject matter expert" for the credit card product and its digital account management tools

• Understands industry research around customer behaviors, new product offerings, new providers and regulatory impacts while keeping superiors informed

• Research and assist with the procurement of additional vendor services as needed

• Collaborates effectively with SoFi Compliance team regarding regulatory requirements

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

Requirements

• Bachelors degree

• Seven

• years of experience in product development/management or directly related experience

• Five or more years of credit card industry experience required

Skills and Competencies

• First and foremost, leadership and the ability to influence a diverse group of constituents

• 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

• Excellent written and verbal communication skills

• Financial Analysis, ability to develop and analyze product pro formas

Preferences

• Experience with a card issuer launching a high reward, successful card program

• 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 our consumer 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.

Benefits

• Lunch, a fully stocked kitchen, and subsidized gym membership.

• Competitive salary packages and bonuses.

• A flexible vacation policy allows you to truly relax and reboot.

• Comprehensive health, vision, dental, and life insurance as well as disability benefits.

• 100% of health, vision, and dental premiums paid by SoFI for employees and their dependents.

• 401(k) and education on retirement planning.

• Tuition reimbursement on approved programs, up to $5,250 a year.

• Monthly contribution to help you pay off your student loans.

• Partner with the largest financial institutions in the country to enable the success of their marketing programs on Credit Karma.

• Build strong relations with teams at financial institutions, ranging from VP+ level executives all the way to hands-on partner managers, analysts, product manages, and legal/compliance associates.

• Develop in an in-depth understanding of our partners' and Credit Karma's business goals to identify win-win opportunities for our partnerships that can further Credit Karma's mission of making financial progress possible for our members.

• Develop, manage, and help execute the partnership team's strategic roadmap. In this capacity, you will collaborate with Credit Karma's C-level executives and leaders/VPs of our product, engineering, marketing and data science functions, in addition to leaders and operators from the partners' teams.

• As a leader within the credit card partnerships team, you will join a small group of executives at the Senior Director+ level pivotal in shaping the strategy and culture of the company.

Our ideal candidate:

• Has 5-10 years of experience in credit card customer acquisition, media buying or digital marketing

• Hyper-focused on partner satisfaction, with experience in a client-facing or senior management role and experience within the Credit Card vertical

• Develops senior relationships to serve as a trusted advisor with major partners to optimize their digital acquisition, activation and engagement strategies

• An understanding of the consumer finance industry's challenges, a vision for its growth and a commitment to advance Credit Karma's forward-looking initiatives within the marketplace

• Work collaboratively with a cross-functional team that is passionate about innovation and disruption to the benefit of members and partners

Leverage proven frameworks to evaluate potential business opportunities, structure the team's thinking, and reach insightful answers

• Possess a natural ability for analyzing & synthesizing information to develop plans and strategies. Moreover, you can effectively use data to make decisions and communicate this to others in a succinct and easy to understand manner

• Proven performance in independently researching and resolving complex partner questions or concerns. Has the ability, acumen and confidence to know when and how to say "no" when necessary.

• Experience in managing many partnerships simultaneously while shepherding multiple cross-functional opportunities and projects in parallel

• Ambitious team player with the ability to execute partner requests and tasks in time sensitive situations

• Positive, collaborate attitude that makes people around them more effective

• Bachelor's Degree in Business, Marketing, or a related field from an accredited college or university, or at least 7 years of related business experience and a track record of continuous professional development; Masters preferred

Jack Henry & Associates is seeking a Full-Service Credit Card Support Rep to join the Card Processing Solutions organization. As the Full-Service Credit Card Senior Support Representative, you will be expected to provide support and troubleshooting assistance to Jack Henry & Associates bank and credit union customers. You will be responsible and accountable for representing an integral role in delivering service through building relationships with key FI staff members and executives. The Full-Service Credit Card Support Representative will develop and execute service account plans, oversee and monitor service requests and projects to ensure timeliness, accuracy and quality. Additionally, you will be expected to provide operational problem solving in partnership with various internal and external organizational resources.

MINIMUM QUALIFICATIONS

• 6 years in a client relationship role within the financial service industry.

• Must have experience with First Data Omaha Credit platform.

• Must be able to work on-call, holidays, weekends, or extended hours as business needs dictate.

• Must be able to travel up to 20%.

PREFERRED QUALIFICATIONS

• Bachelor's Degree.

• Project management experience.

• Knowledge of operational applications and systems used by JHA FI clients such as Visa, Mastercard, First Data, JHA Card Connect, Apple Pay, EMV, Google Pay, Quick Assist, and Score Source; understand the specifics on reports, enhancements and exceptions handling.

• Previous experience troubleshooting in a high call volume support area – credit card transaction research, blocking credit cards/merchants, processing compromised credit card files, statement issues/questions, plastics production, regulatory questions, etc.

ESSENTIAL FUNCTIONS

• Accurately assesses the customer's product issue or problem. Asks the user well thought out or detailed questions and carefully listens to the user's response to fully comprehend the need, product issue, and best avenue for resolving the problem.

• Researches customer problems/issues to increase personal knowledge and familiarity with the supported product and to provide the highest level of support possible. Keeps current on most recent changes and/or upgrades.

• Identifies and resolves application and service issues and any other questions that may arise.

• Provides appropriate personnel a precise understanding of user's issues when the problem needs to be escalated to a higher level.

• Monitors incoming cases and emails and resolves in accordance with Service Level Standard (SLS) guidelines. Uses available support tools to assist the customer and/or recreate the issue.

• Participates in training programs to continuously improve product knowledge and service skills.

• Primary contact within support team for daily questions and issues. May serve as first tier of response for escalated cases.

• May provide assistance in the areas of training (trend reporting, internal documentation, cross training, etc.), staff meetings and periodic written documentation for customers.

• Works on special projects or research, as needed.

• May manage hardware capacity and performance and assess hardware needs.

• May assist less experienced peers.

Equal Employment Opportunity

Applicants for U.S. based positions with Jack Henry & Associates must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire. Visa sponsorship is not available for this position.

Jack Henry & Associates, Inc. is an Equal Employment Opportunity/Affirmative Action Employer and maintains a Drug-Free Workplace.

Females, minorities, veterans, and individuals with disabilities are encouraged to apply.

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Card Processing Solutions, a division within Jack Henry & Associates, is seeking a Credit Card Senior Implementation Business Analyst to join the team. In this role you will be expected to lead client consultation on business and technical requirements, and incorporate the requirements into the overall project plan for implementation of the credit card platform. You will coordinate all phases of operational implementation of technical project deliverables. The ideal candidate will have at least 3 years of experience in credit card platform installations, as well as expert knowledge around network paperwork and documentation, and compliance and regulatory issues in this subject area. We are seeking a very detailed oriented and organized professional looking to step into an exciting opportunity with JHA.

MINIMUM QUALIFICATIONS

• Must have 6 years of experience working in a financial institution or a Fintech company.

• Must have 3 years of experience in credit card platform installations.

• Must be able to travel up to 30%.

PREFERRED QUALIFICATIONS

• Associates or Bachelor's degree.

• Payment processing industry experience.

• Experience completing card processing conversions that require migrating data from one processing platform to another.

• Experience providing client facing project support

• Training in Six Sigma Methodology and project management certification preferred.

• Ability to communicate effectively in both verbal and written formats and give presentations utilizing various audiovisual support aids

ESSENTIAL FUNCTIONS

• Extensive Knowledge and understanding of all JHA Products and Solutions associated with Credit Card Processing and how they are implemented in conjunction with the setup of a new Credit Card Program

• Meet with client to discuss specifications, work with client and vendors to determine project options, and facilitate meeting with key client personnel including IT for network connectivity, file mapping, and project technical specifications

• Manages department processes to ensure compliance and that deadlines are met.

• Defines, documents, and publishes processes. Observes existing practices across multiple departments with similar functions and looks for opportunities to optimize practices and processes.

• Supports collection and interpretation of business information.

• Diagrams and evaluates existing processes.

• Develops metrics that provide data for process measurement, identifying indicators for future improvement opportunities.

• Measures performance against process requirements. Aligns improvement to performance shortfalls.

• Performs Impact Analysis of all recommended changes and standards. Presents and defends recommendations to mid-management and senior level management.

• Interrelates KPIs and adjusts business variables to improve the effectiveness of the measurements used.

• Analyzes trends and provides correlated studies of potential changes and outcomes.

• Provides advanced "what if" analysis and business intelligence.

• Participates in post-project reviews to determine effectiveness, pertinence and timeliness of newly recommended processes. Identifies processes that are effective and works to change processes in need of further refinement.

• Provides consultation on the use of re-engineering techniques to improve process performance and product quality. May deliver presentations and training courses including measurement, analysis, improvement and control.

• Tracks the appropriate market space.

• Performs Cost-Benefit and other forms of analyses.

• May assist less experienced peers.

Equal Employment Opportunity

Applicants for U.S. based positions with Jack Henry & Associates must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire. Visa sponsorship is not available for this position.

Jack Henry & Associates, Inc. is an Equal Employment Opportunity/Affirmative Action Employer and maintains a Drug-Free Workplace.

Females, minorities, veterans, and individuals with disabilities are encouraged to apply.

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CCB Risk- Card Services - Strategic Analytics- Credit Authorizations- Associate

Req #: 180023769

Location: Wilmington, DE,US

Job Category: Accounting/Finance/Audit/Risk

Job Description:

JP Morgan Chase

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 at http://www.jpmorganchase.com/.

Our Firmwide Risk Function

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.

About CCB Risk Management:

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.

Chase Consumer & Community Banking serves nearly 66 million consumers and 4 million 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. Chase is the No. 1 credit card issuer in the U.S. (based on outstandings), with 63 million credit cards in circulation. Risk management in Card is a critical functional to control the risk and contribute to revenue generation. Card acquisition risk is a strategic group with innovative initiatives to shape the new acquisition and contribute to the bottom line.

As an Associate in Authorizations Risk within Chase Card Services, you will be responsible for assessing and recommending changes to Overlimit and Delinquent Authorizations strategies, policies and controls. Ensure that the strategies drive strong financial performance, while maintaining strong risk controls. Regularly meet with leaders and team members in Risk Management, Finance, Fraud and Business to drive business forward.

Specifically, the Associate will:

• Develop and maintain key Authorizations Risk Strategies by conducting complex analysis to segment data and isolate risk using analytical techniques such as clustering and decision trees, and leveraging both internal and external credit data

• Work collaboratively with Fraud, Finance, IT and other risk functions to ensure successful implementation of new strategies

• Monitor the performance of existing strategies leveraging internal MIS reports, external macro-economic trends and industry benchmarks.

• Demonstrate strong strategic thinking, operational excellence leadership and control oriented mentality.

• Bachelor's degree in a quantitative discipline (Finance/Statistics/Economics/Mathematics/Operations Research) is required; advanced degree is preferred

• 3+ years of analytical experience in financial services industry, preferably credit cards.

• Strong analytical, interpretive and problem solving skills with the ability to develop common sense solutions to complex business challenges

• Strong P&L knowledge and understanding of drivers of profitability

• Proven ability to influence and drive results thorough effective thought leadership and teamwork

• Strong knowledge of SAS, SQL and MS Office required