The Card Network Operations Specialist owns the day-to-day operational health, integrity, and scalability of debit card programs by proactively partnering with card networks (Visa and/or Mastercard), Banking as a Service (BaaS) partners, processors, and internal stakeholders.

This role serves as a primary operational point of contact and escalation owner for card network activities, ensuring transactions flow reliably, issues are identified early, risks are mitigated, and network and regulatory requirements are consistently met. The Specialist is expected to anticipate operational challenges, drive resolution through to completion, and continuously improve card network processes to support safe growth. 

Card Network Operations Specialist III

• All responsibilities from Card Network Operations Specialist I, II and: 

• Lead investigation and resolution of complex or higher-risk card network issues, including BaaS-related matters.

• Interpret and apply Visa and/or Mastercard rules, regulatory guidance, and processor requirements to non-standard scenarios.

• Assess operational, compliance, or settlement risk and escalate appropriately with proposed mitigation steps.

• Proactively partner with BaaS programs and processors to ensure card programs operate reliably, efficiently, and in alignment with contractual and network expectations.

• Identify trends, recurring issues, and emerging risks, escalating concerns appropriately and recommending practical, preventive operational improvements.

• Perform secondary quality reviews and validation activities as assigned.

• Support audits, exams, and internal reviews by producing documentation, analysis, and explanations.

• Contribute to onboarding, peer training, and knowledge sharing through process walkthroughs and guidance.

• Provide feedback on procedure clarifications, control enhancements, or documentation improvements.

• Serve as a go-to resource for less experienced specialists.

• Regularly communicate with both internal and external partners with minimal supervision.

• Associate or bachelor’s degree preferred, or equivalent relevant experience.
• Demonstrated experience handling complex card network issues or escalations.
• Ability to independently interpret Visa and/or Mastercard rules and regulatory requirements.
• Strong analytical, documentation, and cross-functional communication skills.
• 3–5 years of relevant experience with increasing responsibility

Travel Requirement 

This position requires some travel to support business needs, including team collaboration, internal trainings, and cross-functional initiatives. The frequency and duration of travel will vary based on organizational priorities and team needs. 

Choice is #PeopleFirst, banking second.  

People don’t need just another bank. People need to be supported by a team of trusted partners who will get to know them and their business, understand their challenges, discover their dreams, and recognize the success in bringing people and banking together in our communities. 

In contributing to our culture, Choice team members are guided by our core values. 

• Embrace change and encourage innovation. 
• Know when to ask for help and know when to offer help. 
• Better the places we live. 
• Work hard. Do the right thing. Have a little fun. 

Our vision of Diversity at Choice is supported by our #PeopleFirst mission and our core values. 

Being #PeopleFirst means that Choice is committed to focusing attention and resources towards creating an environment where everyone feels respected and valued and can do their best work. Doing the right thing means encouraging employees to share their experiences and ideas, and to bring their whole authentic selves to work. Together, we can build an inclusive culture that seeks out, supports, and celebrates diverse voices. We can use our diversity to fuel creativity and innovation and bring us closer to our customers and the communities we serve. Be welcome at Choice. We can see you here. 

Disclosure 

This job description is intended to describe the general content of, and requirements for, the performance of this job.  It is not to be construed as an exhaustive statement of duties, responsibilities or requirements. All requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a significant risk to the health and safety of themselves or other employees.  

All employment at Choice Financial Group is “at will” employment. This position description does not create an employment contract, implied or otherwise.  

The base salary for this role is listed below. This pay range is posted to comply with wage transparency laws. The base salary may vary based on skill, ability, knowledge, experience, and geographic location. Full-time employees are also eligible for a competitive bonus and benefits package.