Lead, Card Network & Processors – Card Operations
UMB Bank
full-time
Posted on:
Location Type: Remote
Location: Idaho • Kansas • United States
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Salary
💰 $69,230 - $149,000 per year
Job Level
About the role
- Serve as the primary operational point of contact for Visa, Mastercard, Pulse, Interlink, and any additional card networks.
- Monitor and interpret network operating rules, mandates, releases, and new requirements; assist operations with requirements for implementation or compliance.
- Manage network certifications, test cycles, and compliance timelines.
- Manage escalations related to Network issues, outages, or defects.
- Participate in the management of relationships with card processors including TSYS, FIS, Fiserv, EML, and others.
- Partner with processors to ensure successful network setup of card products, feature enhancements, fraud tools, and digital services.
- Own lifecycle management of all BINs and BIN ranges across product lines.
- Maintain the master BIN inventory including ownership, usage, tokenization eligibility, routing, and digital wallet enablement.
- Submit and manage network requests for BIN expansions, tokenization mapping, 3DS setup, routing changes, and portfolio migrations.
- Oversee token BIN mapping, eligibility, and routing.
- Ensure changes follow internal control standards and validation steps.
- Maintain documentation, workflows, and operational process maps.
- Support audits and regulatory exams.
- Lead network and processor initiatives including new products, migrations, certifications, and updates.
Requirements
- 7+ years card issuing, card operations, or network/processor experience.
- In-depth knowledge of Visa, Mastercard, Pulse, Interlink, and other network rules.
- Experience with TSYS, FIS, Fiserv, EML, or similar processors.
- Strong understanding of BIN management, tokenization, and digital wallets.
- Knowledge of operational risk, change management, and issue management.
- Strong communication, analytical, and problem-solving skills.
- Preferred: Experience in network program management or processor migrations.
- Preferred: Experience with 3DS, EMV, fraud tools, and routing.
- Preferred: Project leadership experience.
Benefits
- Paid Time Off
- 401(k) matching program
- Annual incentive pay
- Paid holidays
- Comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage
- Health savings, flexible spending, and dependent care accounts
- Adoption assistance
- Employee assistance program
- Fitness reimbursement
- Tuition reimbursement
- Associate wellbeing program
- Associate emergency fund
- Various associate banking benefits
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
BIN managementtokenizationdigital walletsnetwork certificationscompliance timelines3DSEMVfraud toolsrouting changesportfolio migrations
Soft skills
communicationanalytical skillsproblem-solvingproject leadership