Debit Card EFT Payments Manager

Location: Stuart, FL

JOB SUMMARY:

The Debit Card /EFT Payments Manager is responsible for the comprehensive management of the Bank's Debit Card payment systems. This role requires an understanding of card processing, fraud trends, and regulatory compliance. The ideal candidate will oversee service implementation, risk assessment, and fraud mitigation strategies, ensuring the security and efficiency of debit card transactions. Collaboration with various banking departments to uphold service standards and compliance with legal regulations is key. This role is pivotal in maintaining the integrity and efficiency of our debit card services, ensuring a secure and reliable payment experience for our customers with a focus on Continuous Improvements.

This managerial position is crucial for the safeguarding of the Bank's Debit Card operations, ensuring a trustworthy and seamless experience for our clients.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Oversee the Bank's Debit Card / EFT payment systems inclusive of FIS CardPro, Visa, and SecureLock ensuring optimal implementation, service measurement, and continuous enhancement.
• Promotes innovation of new products and services for the area ensuring that they remain efficient, effective, and relevant to meeting the needs of our customers.
• Designs and implements work flows to support the debit card portfolio and EFT programs.

• Leads the Debit Card/EFT team providing direction, coaching, training, and on-going development opportunities.
• Oversees departments business continuity plan reviews and updates.
• Provides knowledge, expertise and collaboration during merger and acquisitions.

• Possess comprehensive expertise in Card Processing operations, including Disputes, Chargebacks, and compliance with Visa regulations and Regulation E.
• Remain vigilant of fraud trends, collaborating with internal teams and external partners for effective resolution.
• Knowledge of other payment platforms like Zelle, RTP, and BillPay is advantageous.
• Conduct thorough investigations into fraudulent activities related to ATM, online banking, and card transactions.
• Evaluate risk levels, document findings, and advise management and staff on preventive measures to reduce financial losses.
• Perform daily reconciliations of the Bank's networks and surcharge systems including NYCE, Visa, and EFT.
• Monitor and analyze patterns in payment fraud, offering timely solutions to safeguard the Bank and its clientele from fraudulent threats.
• Review loss data to develop and implement effective loss prevention methods.
• Examine fraud incidents comprehensively to spot trends and suggest improvements.
• Collaborate with Compliance, Risk Management, and Community Banking divisions to address and control card-related fraud and security issues.
• Establish and uphold uniform departmental policies and procedures.

• Provide high priority to customer satisfaction.
• Assess and coach team while providing constructive feedback to increase overall effectiveness and ensure accountability.
• Responsible for all aspects of team regarding employment, training, scheduling, performance appraisals, salary changes, promotions, transfers, corrective action, and termination.

• Drive engagement by creating and fostering an ongoing career development plan with team.
• Perform as primary liaison for complex, escalated situations.

• Fulfill talent management accountabilities including succession planning, attracting, and retaining top talent, and continuously developing strong bench strength.

• Develop trusting & cooperative working relationships with customers and associates. Maintain a positive working environment by building team morale and providing ongoing recognition.

• Proactively seek continuing education opportunities to enhance leadership.
• Adheres to Seacoast Bank's code of conduct.

EDUCATION and/or EXPERIENCE:

• High School Diploma or equivalent required.
• 8+ years financial services experience required.
• Proven experience in Debit/Credit card services preferred.
• Strong analytical and problem-solving skills.
• Effective communication and collaboration capabilities.
• Dedication to compliance and operational excellence.
• A commitment to maintaining high standards of compliance and operational excellence.
• Overall knowledge of Bank operations, procedures, laws, and regulatory requirements, specifically as it relates to the Deposit Operation function (e.g., Reg E, BSA, NEACH/Fed, etc.).
• Excellent collaboration and communication abilities, with a focus on cross-departmental partnerships.

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.

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