The Sr. Officer - Card Operation ensures the accurate and timely processing of all activities related to OmanNet, Visa and debit card transactions, as well as reconciliation efforts. He/ She delivers high-quality support services and control functions to customers, facilitating the efficient processing of daily financial and non-financial transactions. The Sr. Officer Card Operations maintains operational integrity through meticulous attention to detail, strict adherence to best practices and timely service delivery. He/ She contributes directly to enhancing customer satisfaction and ensuring compliance with internal policies and regulatory requirements.

Key Accountabilities:

• Executes and resolves disputes related to Visa and OmanNet transactions by gathering supporting evidence, submitting chargebacks, and maintaining detailed dispute logs under the supervision of the line manager.
• Collaborates with customers, acquiring banks, and scheme representatives to ensure timely resolution in line with dispute timelines and regulatory requirements.
• Prepares and submits reports to the Central Bank of Oman and Visa, summarizing transaction volumes, settlement data, dispute analysis, fraud statistics, and compliance adherence under the supervision of the line manager.
• Ensures timely and accurate submission of financial and operational reports within required deadlines.
• Conducts analysis of customer complaints related to payment cards, transaction failures, and system issues.
• Identifies root causes, provides resolutions in a timely manner, and documents findings for audit and reporting purposes.
• Reconciles OmanNet Conventional and Visa general ledgers by preparing daily reconciliation sheets, validating entries, and resolving discrepancies.
• Ensures settlements and reconciliation processes comply with accuracy standards and internal controls.
• Inputs daily financial transactions into the system, including manual entries, validating for accuracy, completeness, and timeliness.
• Processes daily settlements for OmanNet and Visa transactions, ensuring all vouchers are accurately prepared in line with operational procedures.
• Analyzes and processes MIS data to generate reports covering transaction trends, performance metrics, and reconciliation summaries.
• Serves as the key custodian for stock and keys, managing secure handovers and ensuring accurate documentation of all key movements.
• Participates in testing of new systems, upgrades, and processes to ensure operational requirements are met.
• Provides feedback and documents test results, identifying gaps and issues.
• Collaborates with vendors, payment processors, and scheme operators to resolve technical issues, coordinate file exchanges, and meet service level agreements.
• Reviews operational processes regularly to identify gaps, mitigate risks, and improve alignment with best practices.

Desired Candidate Profile

Qualifications and Experience:

• University or College Diploma in Business Administration or a related business field.
• Minimum of 4 years of relevant banking experience in Card Operations is preferred.
• A relevant professional certification (such as: CBOP, Lean Six Sigma etc.) is preferred.
• A proven track record of working closely with Bank s branches.
• Extensive hands-on experience in card operations.
• A proven track record of executing card operations task without disruption.

Applications will be accepted until 12-Aug-2026 at 2:00 P.M Submissions received after this date and time will not be considered.