Every day, the people of TSYS® and Netspend® improve lives and businesses around the globe through payments. We make it possible for millions of people to move money between buyers and sellers using our payments solutions including credit, debit, prepaid and merchant services. We are "People-Centered Payments", and our team has the unique opportunity to help create a world in which payments make people's lives easier and better. This is both a tremendous honor and an important responsibility for those who accept the challenge. If you are looking to make a valuable difference for people everywhere - and for yourself - we may have the right place for you.
Summary of This Role
Reviews and analyzes consumer and/or commercial credit applications that are not automatically approved or declined by credit card applications. Receives requests from cardholders and merchants that involves credit decisions. Works within client defined credit policies to insure accurate credit decisions. Reviews applications and documentation for possible fraud. Provides quality customer service in a timely manner while working in a multi-client environment with multiple system applications. Communicate with internal and external customers via telephone and e-mail advising of underwriting decision or requesting additional information.
What Part Will You Play?
As the Subject Matter Expert (SME), administers and assists with escalated client/customer issues, to include: inquiries routed to the high risk queues, take over calls, fraudulent applications, errors related to the processing of credit card applications, etc.
Routinely handles 50-100 daily inquiries from all supported clients within a multi-client environment with various application systems by responding to cardholder requests. such as credit line increases and account maintenance, and reviewing/processing credit card applications to include verifying information against credit bureau data.
Communicates, advises, and provides follow up on any issues surrounding clients, credit card applications, account and system related concerns to clients, upper management, and leadership internal and external to the department.
Stays abreast of internal policy and client specific policy changes and the potential impact to existing processes. In addition, be familiar and adhere to card band association rules and NACHA rules and regulations.
Communicate effectively (written and verbally) with internal and external customers and across all levels of management. Respond to customer's e-mail inquiries within the allotted timeframe.
Maintain a high level of accuracy in work performance in a high-speed environment while adhering to given tasks deadline.
Analyze credit, processing history, business financial statements, bank statements and business model. Request additional documentation from merchants as needed to ensure a complete underwriting packet.
Conduct periodic and annual reviews of existing processing relationships to ensure accounts are maintained with current and accurate information, supportive financial conditions and consistent processing activity.
Make timely decisions on reserve amounts and releases.
Other duties as assigned.
What Are We Looking For in This Role?
Bachelor's Degree or relevant experience in: Business, Criminal Justice or MIS preferred. Willing to accept additional experience in lieu of degree.
Typically Minimum 2+ Years Relevant Experience
Related work experience (Payment industry, underwriting and risk management, financial statements and basic Bank and Association rules)
Excellent organizational and analytical skills
Proficiency with Microsoft applications
3+ years related work experience
Degree in Business, Criminal Justice, Information Security, Risk Management or MIS.
What Are Our Desired Skills and Capabilities?
Skills / Knowledge - As a highly skilled specialist, contributes to the development of concepts and techniques. Completes complex tasks in creative and effective ways. Ensures tasks of team are competed in a timely manner.
Job Complexity - Consistently works on complex assignments requiring some independent action and a high degree of initiative to resolve issues. Makes recommendations for new procedures. Oversees a team and coordinates daily work covering multiple assignments.
Supervision - Determine methods and procedures on new assignments with some independence. Often acts as a facilitator for group. Is formal team leader.
Skills / Knowledge - Working knowledge of credit bureaus and reporting, financial statements and payments industry guidelines.
Not Ready to Apply? Join Our Talent Community!!
US Applicants: TSYS is an equal opportunity employer (EOE) committed to employing a diverse workforce and sustaining an inclusive culture. For more information about your rights, click here.
Qualified individuals with disabilities may be entitled to reasonable accommodations to assist in their pursuit of employment with TSYS. This includes assistance in completing the job application (online or otherwise) and reasonable accommodations during the hiring process. For assistance with reasonable accommodations needed to apply for a job, please contact the TSYS Pay and Benefits Center between 8 a.m. and 7 p.m. Eastern Monday-Friday at +1.706.644.8747 or +1.877.644.8747 or email at PayandBenefits@tsys.com.
Outside of US Applicants:
TSYS is committed to diversity and equal opportunities for everyone. We are committed to ensuring that all job applicants and team members are treated equally, without discrimination because of gender, sexual orientation, marital or civil partner status, gender reassignment, race, colour, nationality, ethnic or national origin, religion or belief, disability, age or any other characteristic prohibited by law. For more information, please refer to our Code of Business Conduct and Ethics, found here.