Debit Card Representative - Toms River, NJ

At OceanFirst Bank, each one of our employees plays an important role in delivering value to our customers and executing daily tasks in accordance with our core values. We recognize that our employees are essential to our success, making OceanFirst a great place to work and do business.

Great benefits include: on-site fitness facility at Red Bank and Toms River headquarter offices, hybrid schedule after initial onboarding has been completed (3 days in office, 2 days remote), employee perks & discount programs, tuition assistance, incentive compensation program, professional development opportunities, and more! Apply today to #BecomeOceanFirst and make an impact in the local community!

WHAT YOU WILL DO:

1. Processes all dispute requests in accordance with Regulation E and the Visa/MasterCard rules.
2. Maintains working knowledge of all Visa/MasterCard and Regulation E rule changes, as well as all Fiserv procedural changes.
3. Works in conjunction with Security to institute fraud detection and prevention methods.
4. Reviews and works the daily reports for Enfact fraud detection program.
5. Prepares daily/monthly general ledger reconciliations in accordance with the Bank's proof policy.
6. Handles the processing of daily rejected Debit Card items.
7. Analyzes disputes for fraud patterns and makes decisions on disputes, determining if it should be written off or have a chargeback submitted.
8. Performs entry of Debit Card maintenance.
9. Assists internal customers with Debit Card inquiries and provides guidance to branches with ATM out of proof situations.
10. May assist with merger reports, conversions, special projects and card reissues associated with the Debit Card.
11. Reviews all daily Debit Card reports from Director.
12. Prepares daily proof verifying that Fiserv/Data Processor received and posted all Debit Card transactions and ATM files.
13. Maintains a working relationship with Fiserv/Data Processor and Visa/MasterCard.
14. Attends Fiserv/Data Processor and Visa seminars to stay current with rules governing Debit Card processing.
15. Processes return mail of Debit Cards, and all pull card requests.
16. Understands compliance with all regulations governing the banking industry, as well as agency guidelines and organization policies.
17. Understands the compliance requirements for Bankcard Services to ensure files are maintained in accordance with regulations.

WHAT WE EXPECT OF YOU:

• Working knowledge and understanding of the Debit Card servicing process.
• Knowledge of applicable processing systems such as Fiserv/Premier and Client-Workstation.
• Working knowledge of applicable laws and regulations; staying up to date with any changes.
• Able to communicate clearly and accurately in verbal and written format with the ability to interact in a pleasant and professional manner with internal and external personnel at all levels.
• Solid analytical reasoning along with problem solving skills are required.
• Proficiency in MS Office Suite.
• Attention to detail and thorough follow-up skills.
• Ability to organize time and resources and set priorities to accomplish multiple duties.

YOUR QUALIFICATIONS:

• High school diploma or equivalent required. Some college coursework preferred.
• A minimum of 3-5 years bank experience required, ideally in a position supporting Debit Card processing, or 6+ months OFB Operations or equivalent experience.

INTERNAL AND EXTERNAL CONTACTS:

• Considerable regional and frequent inter-regional contact. Frequent contact with vendors and customers.

WORKING CONDITIONS/PHYSICAL REQUIREMENTS:

Office environment. Ability to operate computer. Ability to communicate in order to exchange simple to complex information with individuals and groups. Ability to travel throughout Bank footprint.

DISCLAIMER: This information describes the general nature and level of work performed by employees in this job. The description is not designed to be a comprehensive inventory of all duties, responsibilities, and qualifications required of employees in this job. Reasonable accommodation may be made to qualified disabled individuals for the performance of essential duties and responsibilities.