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About the Role:

The Director of Card Payments is responsible for the strategic leadership, management, and operational oversight of the Bank’s consumer and small business credit card programs, merchant services partnerships, in-house debit card portfolio, and commercial credit card portfolio. This role is pivotal in driving product innovation, operational excellence, and partnership success across all card payment channels.

+ Develop and execute the strategic roadmap for all card payment products, including consumer, small business, and commercialcredit cards, as well as debit card offerings.

+ Lead cross-functional initiatives to modernize and enhance the Bank’s card payment solutions, ensuring alignment withenterprise technology and operational goals.

+ Analyze industry trends and emerging technologies to identify new payment methods and solutions that drive customer value andoperational efficiency.

+ Mentor and develop a high-performing team of payment professionals, fostering a collaborative and innovative work environment.

+ Ensure cross-training and documentation of critical functions to support business continuity and disaster recovery planning.

+ Monitor key performance indicators (KPIs) to identify areas for operational improvement and risk mitigation

+ Proactively address compliance risks and operational issues, implementing strategies to minimize financial loss and enhancecustomer experience.

+ Manage and optimize partnerships with external payment processors, merchant services providers, and card networks to ensurebest-in-class service and pricing.

+ Serve as the primary contact for internal and external audits and regulatory reviews related to card and payment operations.

+ Negotiate contracts and service agreements with vendors and partners to support the Bank’s card payment programs.

+ Oversee day-to-day processing activities, which may include portfolio and cardholder maintenance, transaction monitoring,reconciliation, fraud prevention, and dispute resolution.

+ Ensure operational excellence and compliance with all relevant payment regulations, industry standards, and legal requirements(e.g., PCI DSS, Reg E, Reg Z, BSA/AML).

+ Lead periodic reviews and assessments of operational tasks to ensure compliance and effective risk management.

+ Direct the management of the Bank’s in-house debit card and commercial credit card portfolios, including product development,lifecycle management, and operational support.

+ Collaborate with internal teams (Product, Operations, Marketing, Compliance, Finance) to integrate payment solutions and supportbusinessobjective.

+ Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes.

+ Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training.

+ Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description.

+ May be asked to coach, mentor, or train others and teach coursework as subject matter expert.

+ Actively learns, demonstrates, and fosters theColumbiacorporate culture in all actions and words.

+ Takes personal initiative and is a positive example for others to emulate.

+ Embraces our vision to become “Business Bank of Choice”

+ May perform other duties as assigned.

About** **You:

+ Bachelor's degree inFinance, Technology, or related field; advanced degree preferred.Required

+ 7+ years leadership experience in card payments, payment operations, or financial services, ideally within a regional or community bank. Required

+ Proven experience managing partnerships, vendor relationships, and cross-functional teams.

+ Deep knowledge of payment regulations, card network rules, and operational best practices.

+ Strong analytical, strategic thinking, and problem-solving skills.

+ Excellent communication, negotiation, and leadership abilities.

**Job Location(s):** Ability to work fully onsite at posted location(s).

The pay range for this role is $125,000.00 - $175,000.00.

The pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance-based incentive compensation, and those details will be provided during the recruitment process.

**Primary Location:** Ability to work fully onsite at posted location(s).

805 SW Broadway Floor 2 Portland OR 97205-3300

Our Benefits:

We are proud to offer a competitive total rewards package including base wages and comprehensive benefits.

We offer eligible associates comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan with employer match for qualifying associate contributions, an employee assistance program, life insurance, disability insurance, tuition assistance, mental health resources, identity theft protection, legal support, auto and home insurance, pet insurance, access to an online discount marketplace, and paid vacation, sick days, volunteer days, and holidays. Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly.

Our Commitment to Diversity:

Columbia Bank is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected status or characteristics. If you require an accommodation to complete the application or interview(s), please let us know by email: [email protected] .

To Staffing and Recruiting Agencies:

Our posted job opportunities are only intended for individuals seeking employment at Columbia Bank. Columbia Bank does not accept unsolicited resumes or applications from agencies and Columbia Bank will not be responsible for any fees related to unsolicited resume submissions. Staffing and recruiting agencies are not authorized to submit profiles, applications, or resumes to this site or to any Columbia Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.