Join our mission to create a completely new, 100% digital bank that uses consumer feedback to truly meet customers’ best interests. Jenius Bank, a division of SMBC MANUBANK, and a member of SMBC Group, is being built by a close-knit and fun-loving team of financial services professionals and technology experts who came together for the challenge of building a full-service digital bank from scratch. We’re committed to doing it the right way for the customer and are growing rapidly. To learn more about our relationship to our parent company, visit our website. The anticipated salary range for this role is between $62,000.00 and $75,000.00. The specific salary offered to an applicant will be based on their individual qualification, experiences, and analysis of current compensation paid in their geography and the market for similar roles at time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC MANUBANK offers a competitive portfolio of benefits to its employees. . Jenius Bank is strategically scaling up a portfolio of products and building extraordinary experiences. In 2023, we launched our first two products reaching $1 billion in deposits and over $700 million in loans, all before Jenius Bank’s first anniversary. We don’t plan to slow down, with ambitious growth plans and the capital necessary to execute a multi-year strategic plan. We have a start-up mindset paired with SMBC Group’s 400 years of history. SMBC Group has more than 150 offices and 86,000 employees worldwide in nearly 40 countries and is committed to creating new business to better serve customers in the rapidly evolving digital environment. Join us on the journey that has caught the attention of the Banking Dive, and more to reinvent banking where smarter banking translates to a richer life. **JOB SUMMARY:** Reporting to the VP, Card Operations, this position offers the candidate the opportunity to support the build of a credit card operation from the ground up, as it builds to its product launch. Initially, while pre-launch, the position will focus on tasks related to the operational build and implementation. **PRINCIPAL DUTIES & RESPONSIBILITIES:** + Operational process owner responsible for designing and implementing efficient credit card processing workflows. + Develop, document and implement processes, procedures, and controls for credit card servicing, money movement, payments, disputes, settlement, and card production. + Oversee credit card vendor onboarding and management. + Conduct User Acceptance Testing (UAT). + Ensure quality assurance. + Post-implementation, manage ongoing credit card operations to maintain safety, security, customer focus, and efficiency in line with bank standards and culture. + The ideal candidate will possess a broad range of skills and experiences, including proven success with credit card processes and a strong understanding of risk and compliance culture. **POSITION SPECIFICATIONS:** + College Degree. + Over 2 years of experience in credit card operations, including issuing, processing, and managing credit card transactions. + More than 2 years of implementation experience, specifically in setting up and optimizing credit card systems and processes. + 2+ years of expertise in money movement and payments, with a strong understanding of ACH processes (ACH accreditation is a plus). + Exceptional analytical skills with a proactive approach to problem-solving, particularly in identifying and resolving issues related to credit card transactions and fraud detection. + Strong project management capabilities, with a track record of successfully leading credit card-related projects from inception to completion. + Advanced proficiency in MS Excel and Word, with the ability to create detailed reports and presentations related to credit card operations. + Effective at planning, prioritizing, and multitasking, especially in high-pressure environments typical of credit card operations. + Ability to work independently and meet deadlines, ensuring timely processing and settlement of credit card transactions. + Subject Matter Expert in Card Operations, with in-depth knowledge of credit card lifecycle management, including issuance, activation, usage, and deactivation. + Proven risk management skills with credit card domain expertise, including fraud prevention, chargeback management, and compliance with industry regulations. + Experienced operational process owner, responsible for designing and implementing efficient credit card processing workflows. + Skilled subject matter expert and tester, with hands-on experience in User Acceptance Testing (UAT) for credit card systems to ensure functionality and compliance. + Demonstrated ability to execute projects efficiently, particularly those involving the integration of new credit card technologies and platforms. + Expert in money movement and payments, with a comprehensive understanding of payment gateways, merchant services, and reconciliation processes. **EOE STATEMENT** SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law. If you need a reasonable accommodation during the application process, please let us know at accommodations@smbcgroup.com. **CCPA DISCLOSURE** Personal Information Collection Notice: This notice contains information under the California Consumer Privacy Act (CCPA) about the categories of personal information (PI) of California residents that SMBC MANUBANK collects and the business or commercial purpose(s) for which the PI may be used. We do not sell PI. More information about our collection and use of PI may be found in our CCPA Privacy Policy at https://www.smbcmanubank.com/privacy/ccpa-disclosure . Persons with disabilities may contact our Customer Contact Center toll-free at (877) 560-9812 to request the information in this Notice in an alternative format.