Lead, Card Network & Processors (Card Operations) - Remote

Duties and Responsibilities:

NETWORK MANAGEMENT

• 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.

PROCESSOR MANAGEMENT

• 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.

BIN & BIN RANGE GOVERNANCE

• 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.

• Monitor and help manage BIN setup within processors, networks, risk tools, and internal systems.

TOKENIZATION & DIGITAL WALLETS

• Oversee token BIN mapping, eligibility, and routing.

• Monitor and report network performance, i.e. decline trends, and provisioning issues.

OPERATIONAL CONTROLS

• Ensure changes follow internal control standards and validation steps.

• Maintain documentation, workflows, and operational process maps.

• Support audits and regulatory exams.

PROJECT & PORTFOLIO COORDINATION

• Lead network and processor initiatives including new products, migrations, certifications, and updates.

• Partner cross-functionally with internal departments.

• Monitor milestones and produce KPI reporting.

VENDOR RELATIONSHIP MANAGEMENT

• Maintain strong relationships with networks and processors.

• Participate in business reviews and roadmap planning.

• Ensure network compliance with service expectations.

Knowledge and Skills:

• Strong attention to detail

• Strategic thinker

• Ability to manage multiple complex streams

• Collaboration and relationship management

• High accountability and ownership

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.

• Experience with 3DS, EMV, fraud tools, and routing.

• Project leadership experience.

Work environment: Typical Office environment

Deadline to Apply: March 12, 2026

Compensation Range:

$69,230.00 - $149,000.00

The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information.

UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.

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