Card Operations Specialist

Overview The Card Operations team is responsible for all aspects of the UMB card programs, including customer loyalty programs, card fraud claims processing, card plastics design and inventory, collateral, card product and program set-up, card network relationships, and more. We also configure the TSYS TS2 system to support UMB Consumer, Commercial and Healthcare lines of business, handling option maintenance, service requests, project requests, UATV and production testing, research and remediation. Card Operations also manages TSYS issue management and cardholder complaints. Role Summary As a Card Operations Specialist, you will support UMB Card Operations by ensuring smooth execution of card support services. Your primary focus will be the TSYS Loyalty Platform (TLP) – ensuring system stability, operational accuracy, and effective program execution. You will use card processing systems, perform system maintenance, manage TLP tickets and inquiries, support card program implementations, terminations, and conversions, conduct monthly First Line of Defense (FLOD) control testing, and collaborate with Card Operations, Customer Support, Product, Risk Management, Compliance, and external vendors. How you will spend your time TSYS Loyalty Platform (TLP) Operations Support: Serve as primary operational support resource for the TSYS Loyalty Platform (TLP). Support loyalty program research, monitoring, ticket inquiries and projects. Monitor daily platform activity to ensure transaction accuracy, data integrity, and system performance. Troubleshoot platform issues and coordinate resolution with TSYS and internal technology partners. Perform testing and validation for system enhancements, configuration changes, and vendor releases. Maintain platform documentation, workflows, and operational procedures. Support implementation of new loyalty programs, product enhancements, and platform updates. First Line of Defense (FLOD) Control Responsibilities: Execute monthly First Line of Defense (FLOD) control testing in accordance with risk and compliance requirements. Perform assigned operational control procedures and validate adherence to policies and regulatory standards. Document testing results, evidence, and remediation actions. Identify operational risks, control gaps, and process deficiencies and escalate appropriately. Support regulatory exams, audits, and internal reviews by providing documentation and operational insights. Operational Analysis & Process Improvement Analyze operational data, reports, and trends to identify performance issues and improvement opportunities. Develop operational reporting and dashboards for leadership and stakeholders. Provide support services and administration of the UMB debit and credit card programs, including loyalty programs, terms and pricing, card features/benefits, payment processing, etc. Participate in cross-functional projects related to platform migrations, enhancements, and operational improvements. Perform root cause analysis on platform and operational issues and assist with corrective action planning. Stakeholder Collaboration & Communication Serve as liaison between business teams, technology partners, vendors, and risk stakeholders. Communicate operational issues, platform updates, and control findings clearly and professionally. Support internal training and knowledge sharing related to TLP platform processes and controls. Qualifications Bachelor's Degree in Business, Finance, Information Systems or related field OR equivalent work experience. At least 5 years of experience in financial services operations, card operation, or platform support specifically with TSYS. Strong understanding of card operations and transaction processing systems. Experience in banking and/or card payments. Working knowledge of operational risk management and control frameworks. Strong analytical, problem‑solving, and troubleshooting skills. High attention to detail with strong documentation and organizational skills. Ability to manage multiple priorities in a fast‑paced operational environment. Bonus Points Experience supporting TSYS platforms, loyalty systems, or rewards processing environments. Experience performing First Line of Defense (FLOD) control testing or operational risk activities. Experience working with audit, compliance, and regulatory support activities. Knowledge of card network processes and payment ecosystem operations. Applicants must have legal authority to work in the United States. Work Visa sponsorship is not available for this position. Deadline to apply: April 7, 2026 Compensation Range: $51,480.00 - $99,330.00 UMB offers competitive and varied benefits to eligible associates, including Paid Time Off, a 401(k) matching program, annual incentive pay, paid holidays, comprehensive company‑sponsored health, dental, vision, and other insurance coverage, health savings, flexible spending, dependent care accounts, adoption assistance, employee assistance program, fitness reimbursement, tuition reimbursement, associate wellbeing program, and associate emergency fund. Benefit offerings and eligibility requirements vary. 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