Cards Operations Specialist

You'll investigate complex issues, optimize transaction flows, manage operational challenges and lead initiatives from problem identification through implementation, working closely with card networks, issuing processors and cross-functional teams, including Engineering, Product, Fraud and Finance.

Experience & Qualifications

• Experience in card issuing, card processing or card operations.
• Solid understanding of authorization flows, card networks and issuing processors.
• Experience with APIs, logs and monitoring tools.
• Technical aptitude and familiarity with Git and AI-assisted development tools.
• Proven ability to independently lead initiatives, coordinate stakeholders and drive execution.
• Strong analytical skills, ownership mindset and proactive problem-solving approach.
• Excellent written and spoken English and Spanish (mandatory).

Tasks & Responsibilities

• Own and optimize card operations, focusing on authorizations, approval rates, transaction processing and overall reliability.
• Investigate declines, failed transactions and integration issues through SQL queries, API analysis, logs and monitoring tools.
• Lead operational projects end to end, coordinating teams, managing dependencies, removing blockers and ensuring execution.
• Manage issuing processors and card partners, including incident resolution, escalations and performance improvements.
• Monitor operational KPIs, develop dashboards and alerts, and proactively identify opportunities for improvement.
• Work with Product and Engineering on new integrations, card features, launches and migrations.
• Leverage AI development tools to navigate codebases, contribute code changes and implement automations.
• Collaborate with Fraud, Finance and Compliance on relevant operational and card lifecycle matters.