Human Resources

Position:   Card, ATM, POS and E-Commerce Operations Specialist

Reports to:  Head of Alternative Channels Department

Location:  Tirana

Application Deadline: February 18th, 2026

Job Description:

The Card, ATM, POS and E-Commerce Operations Specialist is responsible for the management and operational support of the bank's electronic payment services, ensuring stable operation, regulatory compliance and high quality customer service. This role includes monitoring transactions, managing the ATM/POS network, handling discrepancies and chargebacks, as well as collaborating with other Bank units to optimize processes.

Main Responsibilities:

• Responsible for the entire card operations process, including existing and new products and services.
• Monitors the CIF output file from the processor for possible errors and takes the necessary measures to systematize them.
• Supports Branches for issues under his responsibility and resolves operational problems and customer complaints that cannot be resolved at the Branch level.
• Updates the script for sending credit card invoices, places invoices in the appropriate directory and monitors their delivery.
• Monitors the distribution of cards in the branch based on the relevant reports, communicates with the Personalization/Transport company in case of problems.
• Prepares and sends on a monthly basis the list of expiring credit cards to Credit Underwriters.
• Performs monthly credit card renewals in ICCS and maintains in ICCS the annual commission for renewed cards.
• Reissues credit cards/credit card PINs in ICCS and maintains the relevant commission for reissued cards and PINs.
• Performs credit card modifications in ICCS, based on forms submitted by the Branch.
• Closes expired credit cards in ICCS.
• Performs debit card account changes in CMS and CBS. Links second/third debit card accounts in CBS.
• Adds CIF of authorized person (LE Entity) in switch for business cards.
• Closes switch for closed cards in CAS.
• Monitors and notifies branches for undistributed cards on a monthly basis.
• Collects and destroys undelivered cards from branches.
• Prepares list for settlement of positive credit card balances in ICCS.
• Follows up on customer complaints regarding card transactions with Euronet processor.
• Resets PIN for debit and credit cards.
• Responsible for the entire POS operations process, including existing and new products and services.
• Tests new services or changes in POS configurations.
• Opens terminals for new merchants in the Processor system (TMS) and the local POS system (MTMS+).
• Performs changes or closures of terminals in TMS/Mtms + according to the client's request, followed by the POS Officer.
• Prepares POS/E-commerce installation forms and sends them to the POS maintenance company.
• Follows the process until the terminals are installed.
• Follows and coordinates the resolution of POS/E-commerce problems with the POS maintenance company/Processor until the final resolution.
• Extracts from the system and sends fraud alerts to the POS Officer on a daily basis.
• Extracts and sends to the POS Officer on a daily basis the report for merchants who have not made a payment.
• Preparation of memos for maintaining the POS inactivity/closure fee according to business confirmation, and following up with the Back Office for their maintenance.
• Follow-up of the billing process with Retail POS, Business and Finance for POS damages by merchants.
• Records and monitors the stock of POS terminals.
• Monitors the ATM network through the KIXO monitoring system and performs first-level troubleshooting.
• Coordinates with the ATM Maintenance company and follows up on issues until resolution.
• Tests new services or changes in ATM configurations.
• Acts as a contact person and follows up on ATM installation and uninstallation activities, with the Processor and other Units in the Bank.
• Records ATM network Euronet refills/empties in Flex.
• Sends ATM balances to Branches, twice a day.
• Manages the stock and orders of ATM consumables (e.g. invoice paper, cleaning cards) and coordinates their distribution to the branch.
• Connects new ATM terminals to GL account in Flex.
• Maintains the list of Euronet ATM terminals, in case of ATM installation and uninstallation.
• Notifies the Marketing and Mobile Banking Unit for updating the ATM list in Mobile Banking and Web.
• Performs all other tasks assigned by the Bank.

Formal criteria:

• University Degree in Economics, Finance, Banking, Economic Informatics or similar fields.
• At least 2 years of experience in the Banking Sector.
• Very good analytical and communication skills.
• Ability to work in a team.
• Knowledge of cards & ATM/POS.
• Positive attitude towards assigned responsibilities and tasks, as well as advice and recommendations from Managers.
• Knowledge of regulations related to Card Operations. 

How to apply:

Motivated candidates looking for a dynamic job and a professional team are welcome to apply by following these steps:

1-      Send your CV to: [email protected]

2-      2- In the e-mail, clearly specify the name of the position for which you are applying.

Please, keep in mind that only selected candidates will be contacted further by our Human Resources staff.