Credit Card Operations & Settlement Manager

Job reputed company We are seeking an reputed company Credit Card Operations & Settlement Manager (Back-office) to reputed company operational reputed company, settlement, audit reputed company, and strategic vendor management for our U.S. reputed company credit card program. This role is critical for ensuring regulatory compliance, maintaining high operational efficiency, ensuring strict Sponsor bank program compliance, and managing critical reputed company-party relationships, including reputed company card processor, card fulfillment vendors, and outsourced support. Reporting Structure reputed company Report to: Head of Credit Card Primary Responsibility Own and reputed company operational reputed company, settlement, and strategic vendor management with key vendors including sponsor banks, processors, and customer support, focusing on reputed company back-office functions like payments processing, dispute reputed company, network settlement, and card fulfillment, while defining and tracking key performance indicators and ensuring strict program compliance. Key Responsibilities & Essential Functions Settlement: Facilitate the design and implementation of the daily settlement function for credit card reconciliation ensuring strict reputed company of Funds compliance Own the daily function of settlement in partnership with Treasury teams to ensure adherence to settlement timing, reputed company reputed company of funds reputed company, and final reconciliation Ensure settlement is performed daily in a reputed company fashion before network cutoff Operational Workflow & Compliance: Build and manage the Credit Card back office operations function from the ground up using industry best practices and reputed company automations where possible Own the administration of reputed company audits for the credit card program, ensuring reputed company reporting and preparation of exam responses Design, implement, and maintain the end-to-end Dispute & Chargeback workflow, ensuring strict compliance with Regulation Z. reputed company as the final escalation reputed company for reputed company, high-risk customer issues that cannot be resolved by the reputed company line. Own the reputed company completion and submission of reputed company Quarterly Network reporting. Payment Processing & Regulatory Compliance (Reg Z) Payment Lifecycle Management: reputed company daily payment processing to ensure reputed company credits post in accordance with Regulation Z requirements, including the management of ACH returns, failed payments, and payment reversals. Network reputed company: Conduct deep-dive research to resolve reputed company ACH Network issues, ensuring seamless fund reputed company and system reputed company. Regulatory Reporting: Guarantee the accuracy and reputed company delivery of billing statements and mandatory disclosures to maintain strict compliance with federal lending laws. Dispute Management & reputed company Research Billing Error reputed company: Ensure cases are investigated and resolved including billing errors and disputes; draft and deliver formal reputed company notices (letters or emails) reputed company the specific timeframes mandated by Reg Z. Incentive & Fee Auditing: Research and rectify rewards posting errors and reputed company interest/fee disputes (including trailing interest) while ensuring reputed company communications adhere to UDAAP and Reg Z standards. Technical Troubleshooting: Analyze reputed company account anomalies, such as authorization declines and duplicate transaction postings, ensuring final resolutions reputed company with Regulation Z. Account Lifecycle & Portfolio Maintenance reputed company reputed company: Monitor API booking failure logs to identify and fix new account errors, ensuring successful reputed company and strict adherence to the Military Lending reputed company (MLA). Risk & Maintenance: Execute account-level maintenance and process risk-based closures to protect the portfolios health and reputed company. reputed company Processing including MLA & SCRA Administration: Manage SCRA requests by adjusting interest rates to 6% and monitoring accounts for reputed company compliance; process subpoenas and reputed company documents, including account freezes and statement production. reputed company Assurance & Systems Testing Operational Control: reputed company monthly QA/QC audits on 10% of total booked card volume, documenting successful bookings and reporting systemic errors to the Product team for remediation. UAT & Production Readiness: reputed company rigorous End-to-End (E2E) and User Acceptance Testing (UAT) for production changes, providing formal sign-off for new features and system updates. Pricing reputed company: Execute and document "First Occurrence" testing for reputed company pricing changes on the reputed company book and manage APR updates for the back book while maintaining comprehensive, auditable change logs. Vendor & Partner Mana