The Head of Card Operations is responsible for the end-to-end operational ownership, processing oversight, and governance of all card services within the Bank.

The role operates within an outsourced sponsor and processing model, where an external sponsor and processor act as the affiliate sponsor and provide card transaction processing and back-office services.

Within this model, the Head of Cards Operations retains full operational accountability for the Bank by actively owning and approving:

• Operational processing of card processor outputs
• Card settlement handling and reconciliation oversight
• Disputes and chargebacks lifecycle management
• Processor, scheme, and regulatory compliance
• Operational controls, risk mitigation, and audit readiness

While card transaction switching and scheme-level posting are executed by outsourced parties, this role is responsible for processing, ...