JOB DESCRIPTION
1. Job Objective
Participate in reconciliation, settlement, final accounting and accounting of the Bank's card transactions with domestic and international card organizations; manage and control accounting accounts related to card operations and ATM/CRM activities to ensure accurate, timely, safe data and regulatory compliance. At the same time, participate in process improvement, system development, management reporting and project implementation to improve the efficiency of the Bank's card operations.
2. Main Responsibilities
2.1. Reconciliation, Settlement and Final Accounting of Card Transactions
- Perform reconciliation, settlement and accounting of Visa/Mastercard/Napas card transactions or other card organizations where SHB is a member according to issuance and settlement directions.
- Perform cash balance reconciliation at automated transaction machines (ATM, CRM, ...) in the SHB system, surplus and deficit accounts during operation.
- Perform management, inspection and control of intermediate card GL accounts, receivable and payable accounts according to regulations, safely and in balance.
2.2. General Responsibilities:
- Coordinate with related units (24/7 Multi-channel Support Center, Business Units, related Divisions/Departments...) during the operation of card reconciliation and settlement.
- Implement reporting on card operations as required by internal management, the State Bank of Vietnam, competent authorities and card organizations according to regulations in each period.
- Participate in building, reviewing and updating procedures/regulations/guidelines related to card reconciliation and settlement operations to ensure compliance with SHB's internal regulations, State Bank of Vietnam regulations and Napas, Visa, Mastercard card organization regulations.
2.3. Other Tasks
- Develop and improve features/reports related to systems used in card reconciliation, settlement and accounting operations; participate in projects related to card operations.
- Participate in building communication newsletters and training content on Card operations.
- Perform other tasks as assigned by management.
JOB REQUIREMENTS
1. Qualifications & Experience
- Bachelor's degree in Economics, Finance, Banking, Business Administration or related fields.
- Minimum 3 years of experience in card operations processing, card settlement accounting with international card organizations Visa/Mastercard/JCB... at banks with equivalent or higher scale and development level.
2. Professional Knowledge
- Understand bank card operations.
- Understand card reconciliation, settlement and accounting operations with international card organizations Visa/Mastercard.
- Have knowledge of State Bank of Vietnam regulations, Napas/Visa/Mastercard regulations related to card usage and settlement operations.
- Priority given to candidates with knowledge of reconciliation and settlement operations with Visa/Mastercard card organizations.
- Priority given to candidates with experience working with card organizations and banks in the Card Association alliance.
3. Skills
- Ability to evaluate and analyze costs and revenues from international card organizations, skills in applying automation to operations.
- Ability to analyze data, ability to build management reports on card data.
- Honest, open-minded, dynamic, creative and proactive in work.
- Problem-solving and decision-making skills.
- Communication and inter-departmental coordination skills.
- Good writing skills.
- English reading comprehension of specialized documents and good communication.
- Proficient use of office software, Canva, AI applications (Chat GPT, Gemini...).
- Careful, responsible work mindset, customer-oriented.
- Ability to work under pressure and travel, work outside office hours (if needed).
