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Credit Card Payment Attorney Jobs (NOW HIRING)

Simmons Bank

Credit Card Specialist III

Pine Bluff, AR · On-site

Credit Card Specialist III It's fun to work in a company where people truly BELIEVE in what they're ... Manage returned payments, exception items and unposted items. * Provides support and training to ...

Pmforigin

Own all aspects of credit card processing operations, ensuring seamless and secure transactions for ... Act as a subject matter expert, staying current with payment industry trends, gateways, merchant ...

Simmons Bank

Credit Card Specialist III

Pine Bluff, AR · On-site

The Credit Card Specialist III, as a member of the Operation's Team that supports the processing ... Manage returned payments, exception items and unposted items. * Provides support and training to ...

Everything But The House

$17.75 - $22.50/hr

Monitor real-time credit card transaction flows to detect fraudulent activity, card testing, and account takeovers. Assist in maintaining basic cybersecurity protocols and compliance across payment ...

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Credit Card Payment Attorney information

What does a credit card payment attorney do?

A Credit Card Payment Attorney is a legal professional who specializes in matters related to credit card debt and payment disputes. They assist clients in negotiating settlements with credit card companies, defending against lawsuits for unpaid balances, and advising on legal rights regarding debt collection practices. Their goal is to help clients manage or reduce their debt, avoid wage garnishment, and ensure fair treatment under the law.

How does a credit card payment attorney typically interact with clients and creditors during the debt resolution process?

A Credit Card Payment Attorney frequently acts as an intermediary between clients facing credit card debt and the creditors or collection agencies involved. This often involves direct negotiations to reach settlements, drafting and reviewing agreements, and ensuring that clients' legal rights are protected at every step. Regular communication with clients is essential to keep them informed about progress and next steps. Collaboration with other legal professionals may also be necessary, particularly in cases that escalate to litigation or involve bankruptcy considerations.

What are the key skills and qualifications needed to thrive as a credit card payment attorney, and why are they important?

To thrive as a Credit Card Payment Attorney, you need a Juris Doctor (JD) degree, a valid state bar license, and strong knowledge of consumer finance, debt collection, and credit card regulations. Familiarity with legal research databases (like Westlaw or LexisNexis), case management software, and e-filing systems is typically required. Excellent negotiation, analytical thinking, and interpersonal communication skills help in representing clients and managing settlements effectively. These competencies ensure legal compliance, effective advocacy, and the best outcomes for clients dealing with credit card payment issues.

What are popular job titles related to Credit Card Payment Attorney jobs?

For Credit Card Payment Attorney jobs, the most frequently searched job titles are:

Credit Card Underwriting Manager

Remote

Bakkt Financial Solutions I LLC
See more jobs at Bakkt Financial Solutions I LLCexternal

Full-time

Re-posted 16 days ago

Job description

Powering the next generation of global finance
About Us
Founded in 2018, Bakkt, Inc. is a regulated financial technology company building infrastructure for the future of finance. Bakkt's platform serves financial institutions, fintechs, and consumer finance products - providing the compliance, security, and scale required to deliver trusted financial services at a global level. Through its core business pillars, Bakkt powers institutional-grade trading capabilities, AI-enabled programmable finance, and cross-border payment infrastructure.
Job Summary
We are seeking a seasoned and strategic Credit Card Underwriting Manager to establish and own the comprehensive credit risk framework for our new credit card program. This critical, high-impact role will be responsible for managing application quality, designing automated and manual decisioning processes, owning the administration and performance of the Loan Origination Platform, and setting the program's overall credit risk strategy. The manager is accountable for protecting the program from credit and fraud losses, ensuring strict regulatory compliance, and proactively managing the credit risk profile and the through the door quality of the portfolio.
Reporting Structure
  • Direct Report to Head of Credit Card
Primary Responsibility
Establish and drive the end-to-end credit risk management lifecycle in a de novo environment, encompassing the Credit Risk Policy framework, implementation and integration of the Loan Origination System (LOS), application quality assessment, automated and manual decisioning, and managing post-approval credit monitoring, all while ensuring strict program compliance with key financial regulations (Reg B, FCRA).
Key Responsibilities & Essential Functions
  • Credit Policy & Underwriting:
    • Establish and own the foundational Credit Risk Policy framework.
    • Define and manage the underwriting rules and logic within the Loan Origination System (LOS).
    • Conduct Manual Reviews on "Refer" applications, including thorough KYC and Income verification.
    • Own and manage the Adverse Action process and the delivery of all required credit notices, ensuring strict compliance with Regulation B (Reg B) and the Fair Credit Reporting Act (FCRA).
    • Continuously monitor and update the Credit Policy buy box based on emerging market trends and performance data.
    • Oversee model governance, including performance monitoring, recalibration, and coordinating independent model validation.
  • Risk Monitoring & Fraud Management:
    • Proactively monitor the performance, stability, and validity of the automated credit scoring model.
    • Identify and mitigate complex emerging fraud trends, such as "Sleeper" fraud (synthetic identities).
    • Coordinate with Operations team on Collections and report on the Delinquency Pipeline, including Early-stage collections and roll rates.
  • Vendor & Stakeholder Management:
    • Manage the relationship and technical integration with the Loan Origination System (LOS) provider and credit bureau partners (for both origination and monthly credit reporting).
    • Ensure the Credit Bureau reporting of the Metro2 file is successful executed and respond to Credit Bureau inquiries & escalations in a timely manner
    • Coordinate vendor selection and integration with Compliance, Legal, and Analytics teams to ensure all underwriting systems adhere to regulatory requirements.
    • Serve as the primary credit risk liaison with the Sponsor Bank, ensuring all credit policies and underwriting rules operate within their defined risk appetite and are approved.
  • Team Support:
    • Serve as the backup and escalation resource for the Head of Credit Card, and support other credit card team members as needed.
    • Provide additional duties not explicitly referenced as required by the Head of Credit Card
Qualifications
  • Proven experience in credit card underwriting and credit risk management, including a deep understanding of credit scoring models and compliance with Adverse Action regulations.
  • Demonstrated ability to manage and update Credit Risk Policy frameworks and buy boxes.
  • Strong analytical skills for monitoring automated model performance, portfolio delinquency, and identifying emerging fraud trends.
  • Experience with KYC and credit quality verification processes for manual application reviews.
  • Expertise in relevant consumer credit regulations, including Reg B and FCRA.
  • Excellent problem-solving and communication skills for working with cross-functional teams in a highly matrixed fast paced environment
  • Extensive experience in working with external vendors, including Loan Origination Systems, Credit Bureaus, KYC & Fraud providers.

Bakkt is devoted to having diversity in its workforce and is proud to be an equal opportunity employer. Bakkt does not make any employment decisions based on race, color, religion, sex, national origin, veteran status, disability, age, sexual orientation, gender identity or any other characteristic protected by law. Must successfully pass a post-offer background check and drug screen.
California Candidate Privacy Notice
Before submitting your application, please review Bakkt's California Candidate Privacy Notice and Notice at Collection, which explains how Bakkt collects, uses, retains, and discloses applicant and candidate personal information during the recruiting process. The notice is available here: https://bakkt.com/candidate-privacy/

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