Morton Community Bank
Corporate Debit Card Specialist
Morton Community Bank, Morton, Illinois, United States, 61550
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Corporate Debit Card Specialist
role at
Morton Community Bank
Established in 1960 with one location in Morton, IL, Morton Community Bank (MCB) has grown to over 550 employees, 53 branch locations and more than $5 billion in assets. We pride ourselves on dedicated service to our customers and communities, and each employee owns a portion of the bank through our ESOP.
Job Summary Under general supervision, a Debit Card Management Specialist researches and resolves disputed transactions daily, including fraud and non‑fraud transactions. The role handles rejected transactions from debit cards or electronic payments (ACH/Bill Pay), initiates appropriate action, and creates reports for trend analysis. The specialist also processes instant‑issue cards for the Morton area and supports the Reg E claim process.
Benefits Medical, Dental, Vision, Short‑Term Disability, HSA, FSA, 401(k). Life and AD&D insurance, Long‑Term Disability, vacation days, personal days, and paid holidays.
Essential Duties & Responsibilities
Analyze and resolve fraud and non‑fraud inquiries or errors on debit cards, ATM, ACH, and other electronic payment disputes.
Administer dispute decisions and customer account adjustments, meeting Reg E required timelines and bank policies.
Escalate issues requiring additional review or exceptions to management and provide thorough documentation.
Follow all compliance requirements, including deadlines of Reg E, NACHA, and Mastercard.
Maintain knowledge of card industry, Mastercard, NACHA, and compliance requirements.
Perform real‑time/near real‑time card monitoring to prevent and detect fraud.
Review daily reports to identify and verify potential fraudulent activities.
Close cards and order replacements as needed.
Support Reg E claim process by entering claim details into Centrix DTS.
Serve as expert for dispute‑related questions from branch or call center.
Monitor dispute volume, identify trends, and build out reporting.
Track force‑posted transactions and initiate chargebacks as needed.
Follow up with Fiserv or Mastercard on pending investigations.
Monitor dispute requests for potential abuse and recommend termination of customer relationships if warranted.
Communicate with merchants to investigate claims.
Create trend reports for management of debit card program.
Process instant issue cards for the Morton area.
Education and Qualifications
Essential:
High school diploma or equivalent.
BSA and other bank‑related training through BAI required annually.
Desirable:
Bachelor’s degree in a related field.
Experience
Essential:
Knowledge of customer service principles.
Relevant computer skills.
Desirable:
5 years banking experience with emphasis in fraud, loss prevention, and/or legal order processing.
Skills and Qualifications
Fluent in MCB deposit products.
Fluent use of MCBE.
Fluent use of Continuity Control.
Fluent use of Centrix DTS and Fiserv Client Central.
Fluent in all transaction channels: ACH, Online Banking, Mobile, Person‑to‑Person (P2P).
Adhere to MCB’s customer identification procedures when communicating with customers over phone or email.
Training All regulatory as required; participate in Mastercard training as available.
Physical Demands The position may require climbing, reaching, standing, lifting up to 50 lb occasionally, and close visual acuity for data analysis.
Work Environment The noise level is usually moderate. Employees working 7 ½ continuous hours or more must take a 30‑minute uninterrupted lunch break no later than 5 hours after beginning their workday.
All hiring and employment decisions are made without regard to age, race, color, religion, sex, national origin, disability, or genetic information. The DLAC and EEO Equal Employment Opportunity laws require that all employees be treated equally and fairly.
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Corporate Debit Card Specialist
role at
Morton Community Bank
Established in 1960 with one location in Morton, IL, Morton Community Bank (MCB) has grown to over 550 employees, 53 branch locations and more than $5 billion in assets. We pride ourselves on dedicated service to our customers and communities, and each employee owns a portion of the bank through our ESOP.
Job Summary Under general supervision, a Debit Card Management Specialist researches and resolves disputed transactions daily, including fraud and non‑fraud transactions. The role handles rejected transactions from debit cards or electronic payments (ACH/Bill Pay), initiates appropriate action, and creates reports for trend analysis. The specialist also processes instant‑issue cards for the Morton area and supports the Reg E claim process.
Benefits Medical, Dental, Vision, Short‑Term Disability, HSA, FSA, 401(k). Life and AD&D insurance, Long‑Term Disability, vacation days, personal days, and paid holidays.
Essential Duties & Responsibilities
Analyze and resolve fraud and non‑fraud inquiries or errors on debit cards, ATM, ACH, and other electronic payment disputes.
Administer dispute decisions and customer account adjustments, meeting Reg E required timelines and bank policies.
Escalate issues requiring additional review or exceptions to management and provide thorough documentation.
Follow all compliance requirements, including deadlines of Reg E, NACHA, and Mastercard.
Maintain knowledge of card industry, Mastercard, NACHA, and compliance requirements.
Perform real‑time/near real‑time card monitoring to prevent and detect fraud.
Review daily reports to identify and verify potential fraudulent activities.
Close cards and order replacements as needed.
Support Reg E claim process by entering claim details into Centrix DTS.
Serve as expert for dispute‑related questions from branch or call center.
Monitor dispute volume, identify trends, and build out reporting.
Track force‑posted transactions and initiate chargebacks as needed.
Follow up with Fiserv or Mastercard on pending investigations.
Monitor dispute requests for potential abuse and recommend termination of customer relationships if warranted.
Communicate with merchants to investigate claims.
Create trend reports for management of debit card program.
Process instant issue cards for the Morton area.
Education and Qualifications
Essential:
High school diploma or equivalent.
BSA and other bank‑related training through BAI required annually.
Desirable:
Bachelor’s degree in a related field.
Experience
Essential:
Knowledge of customer service principles.
Relevant computer skills.
Desirable:
5 years banking experience with emphasis in fraud, loss prevention, and/or legal order processing.
Skills and Qualifications
Fluent in MCB deposit products.
Fluent use of MCBE.
Fluent use of Continuity Control.
Fluent use of Centrix DTS and Fiserv Client Central.
Fluent in all transaction channels: ACH, Online Banking, Mobile, Person‑to‑Person (P2P).
Adhere to MCB’s customer identification procedures when communicating with customers over phone or email.
Training All regulatory as required; participate in Mastercard training as available.
Physical Demands The position may require climbing, reaching, standing, lifting up to 50 lb occasionally, and close visual acuity for data analysis.
Work Environment The noise level is usually moderate. Employees working 7 ½ continuous hours or more must take a 30‑minute uninterrupted lunch break no later than 5 hours after beginning their workday.
All hiring and employment decisions are made without regard to age, race, color, religion, sex, national origin, disability, or genetic information. The DLAC and EEO Equal Employment Opportunity laws require that all employees be treated equally and fairly.
#J-18808-Ljbffr