Card Operations Officer (upto VP)

Job Description

Title: Card Operations Officer (upto VP)

Company Name: Standard Islami Bank PLC.

Vacancy: --

Age: 30 to 50 years

Job Location: Anywhere in Bangladesh

Salary: Negotiable

Experience:

• At least 5 years
• The applicants should have experience in the following business area(s): Banks

• Masters
• Bachelor/Honors

• At least 5 years
• The applicants should have experience in the following business area(s): Banks

• Age 30 to 50 years

• No third class/division in any academic record.

• Minimum of 5 years of progressive experience in Card Operations, ADC (ATM/POS/Digital Channels), or Internet Banking with any reputed commercial bank or financial institution.

• Banking professional with a proven track record in end-to-end card lifecycle management, with sound functional knowledge of card issuance, dispute and chargeback handling, and daily reconciliation.

• Good understanding of card scheme rules (Visa, Mastercard), ATM/POS switch operations and card management systems.

• Strong analytical and quantitative capability with data interpretation and MIS reporting skills.

• Proficiency in MS Office, especially MS Excel (VLOOKUP, Pivot Table, reporting).

• Working knowledge of Bangladesh Bank guidelines, AML/CFT requirements, and information security policies.

• Understanding of Shariah-compliant banking practices will be an added advantage.

• Excellent communication and coordination skills in Bangla and English.

• Ability to work under pressure and meet tight deadlines.

• Process new card issuance, renewal, replacement, and hot-listing requests in line with bank policy and Bangladesh Bank guidelines.

• Manage the end-to-end card lifecycle, including card personalization, PIN generation and mailer handling, dispatch, activation, and blocking or unblocking.

• Monitor daily transactions across ATM, POS, and e-commerce channels and ensure timely resolution of failed or pending transactions.

• Perform daily reconciliation with card schemes (Visa, Mastercard, UnionPay, etc.), the switch, and the core banking system, and follow up on unmatched items until cleared.

• Handle chargebacks, disputes, and retrieval requests within scheme timelines, and coordinate with merchants, acquirers, and branches.

• Manage ATM and POS operations, including cash settlement, terminal uptime follow-up, and coordination with vendors and service providers.

• Ensure compliance with Shariah principles in card products, fee structures, and operations, as applicable to an Islamic bank.

• Monitor fraud alerts and suspicious transactions, and coordinate with risk and compliance teams to take protective action.

• Support customers and branches with card-related queries, complaints, and service requests, ensuring prompt resolution and high service quality.

• Maintain accurate records, prepare daily, weekly, and monthly MIS reports, and support internal and external audits.

• Coordinate with IT, Digital Banking, and vendors on system issues, upgrades, and UAT for new card features or products.

• Ensure card inventory control (plastics, PIN mailers, and related stock) and maintain proper security and audit trails.

• Follow all internal controls, SOPs, AML/CFT requirements, and information security policies.

• Perform any other duties assigned by the management from time to time.

• Provident fund,Mobile bill,Credit card,Gratuity
• Festival Bonus: 2

• Boishakhi Bonus

• Furniture Allowance