Debit Card

Location: This position can be located at any of the Seacoast Bank offices

JOB SUMMARY:

The Debit Card / EFT Payments Lead plays a crucial role in supporting the Debit Card / EFT Payments Manager by ensuring the smooth operation of the Bank’s Debit Card systems. This position involves detailed knowledge of card processing, fraud monitoring, and adherence to regulatory standards, with a focus on executing service improvements and risk mitigation strategies.

This role is essential in supporting the Debit Card / EFT Payments Manager and maintaining the integrity of the bank’s Debit Card operations, providing a secure transaction environment for our customers.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Assist in managing the day-to-day operations of the Bank’s Debit Card services.
• Support the knowledge base of card processing systems, including dispute resolution and regulatory compliance.
• Help monitor fraud trends and work with the team to develop solutions to prevent fraudulent activities.

• Provides direction, coaching, training, and on-going development opportunities for the Debit Card / EFT team.

• Participate in the analysis of fraud risks and contribute to strategic recommendations to reduce financial losses.
• Aid in the cash management process and ensure terminal balancing is accurate.
• Assist in the reconciliation of daily transactions across the bank’s networks and surcharge systems.
• Contribute to the development and implementation of loss prevention strategies and identify areas for improvement.
• Support collaboration with Compliance, Risk Management, and Community Banking to manage card fraud and security risks.
• Help monitor performance against SLAs and ensure system uptime.
• Contribute to the creation and enforcement of policies and procedures.
• 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.

• Provide high priority to customer satisfaction.
• Assess and coach associates while providing constructive feedback to increase overall effectiveness and ensure accountability.
• Adheres to Seacoast Bank’s code of conduct.

EDUCATION and/or EXPERIENCE:

• 3+ years Banking experience; or a combination of education and experience
• PC proficient, including MS Word and MS Excel.
• Seacoast Bank experience a plus

• Prior experience in card services and fraud detection helpful
• Strong analytical skills and attention to detail
• Ability to work collaboratively within a team environment
• Commitment to maintaining compliance and operational standards

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.

#LI-PF