Card Operations Specialist

The Card Operations team is responsible for all aspects of the UMB card programs. This includes customer loyalty programs, card fraud claims processing, card plastics design and inventory, collateral, card product and program set‑up, card network relationships, etc. We are also responsible for ensuring the TSYS TS2 system is configured appropriately to support credit and debit card programs for UMB Consumer, Commercial and Healthcare lines of business. TSYS TS2 platform configuration includes option maintenance requests, service requests, project requests, UATV and production testing, research and remediation. Card Operations also supports TSYS issue management and cardholder complaints. As the Card Operations Specialist, you will be responsible for supporting UMB Card Operations with responsibility for completing operational duties as assigned to ensure smooth and efficient execution of card support services. A primary responsibility of this role will be supporting the TSYS Loyalty Platform (TLP), ensuring system stability, operational accuracy, and effective program execution. You will also provide a high level of skill in the use of card processing systems, card processor applications and products. This also includes performing card system and application maintenance, managing TLP related tickets and inquiries, providing expertise and support for card program and product implementations, terminations and conversions. In addition, you will be responsible for performing monthly First Line of Defense (FLOD) control testing to support risk management, compliance, and operational governance. You will partner closely with Card Operations, Customer Support, Product, Risk Management and Compliance as well as external vendors to deliver high‑quality platform support, maintain strong control environments, and drive continuous operational improvement. Responsibilities 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 elevate as appropriate. 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. Compensation Range $51,480.00 – $99,330.00 The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job‑related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information. Benefits UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company‑sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. Applicants Must Applicants must have legal authority to work in the United States. Work Visa sponsorship is not available for this position. Equal Employment Opportunity UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e‑mail to View email address on click.appcast.io to let us know the nature of your request. #J-18808-Ljbffr UMB Bank