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What We Do

At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.

Who We Are

CardWorks, Inc. is a diversified consumer finance service provider and parent company of CardWorks Servicing, LLC, Merrick Bank and Carson Smithfield, LLC.

CardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans. We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees.

Merrick Bank is an FDIC-insured Utah Industrial Loan Bank. Merrick operates three main business lines: credit cards, recreational lending, and merchant services.

Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.

The Enterprise Risk Management ("ERM") team is responsible for implementing ERM Governance, oversight of risks, and providing an independent view of the risk faced by CardWorks, its clients and their customers.

As the ERM Risk Analyst, you will be responsible for assisting with the oversight of the entity's Enterprise Risk Management Program by monitoring of the internal risk & control environment, tracking issues and remediation plans, and assisting with the preparation of Risk Reporting to Senior Management.

Essential Functions:

Leads significant efforts to automate risk management processes and reporting through the use of data visualization tools
Develops systemic tools for tracking and reporting risk initiatives according to the Company's risk framework
Advocates for enhancements to products, processes, procedures and in house tools
Participates in new product and business developments, system initiatives and other projects to aid in potential risk related issue resolution and makes recommendations to for risk mitigation and change management related tasks, as required
Responds to inquiries from clients, auditors, etc. regarding enterprise risk processes and escalates questions or issues to department management as appropriate including the tracking and handling of document gathering
Assists with ongoing identification and monitoring of emerging and existing enterprise level risks
Contributes to establishment of a comprehensive inventory of risks and controls, and works with risk owners to monitor key risk indicators and action plans for out of tolerance risks
Maintains oversight over the management of audit and/or exam finding remediation for the department
Performs other duties as assigned

Education and Experience:

BA/BS in business related field or 3 years of equivalent work experience in lieu of education required
Four (4) years in credit card, banking, financial services or related industry experience with at least three (2) years in compliance, risk, audit, controls or related discipline required
Must possess strong analytical skills, systems skills, and writing / communication skills
Data Visualization and report development experience preferred (DOMO, Power BI)
GRC system experience preferable (RSA Archer experience a plus)
Experience with Microsoft applications (Excel, Word, PowerPoint, and Visio)

Summary of Qualifications:

Proficient in the use of query tools, reporting tools and languages such as SQL, Archer, and Excel.
Working knowledge of database structures.
Ability to develop and support reporting using multiple systems including databases and spreadsheets including the use of pivot tables and Visio flowcharts.
Responsible, flexible, detail-driven individual possessing the ability to work closely with business leaders and manage time and effort efficiently
Requires excellent verbal and written skills; presents ideas in a clear, concise, understandable and organized manner
Ability to work under pressure; flexibility and willingness to work at a rapid pace
Ability to multi-task is essential
Ability to understand and carry out oral and written instructions
Requires excellent organizational and time management skills
Maintains a high level of confidentiality due to sensitive nature of documents that are handled
Industry experience and knowledge of general concepts of operational and enterprise level risk and mitigation

The salary range for this position, if located in NY Metro/NY State is $77,000.00 to $85,000.00 annually. However, please note that the salary range will vary for other geographic areas.

Our Employee Value Proposition

Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
Benefits Package -Medical, Dental, and Vision (plus much more)
401(k) Plan with Company Match
Short- & Long-Term Disability
Wellness Programs
Group Life and AD&D Insurance
Paid Vacation, Sick Days and bank Holidays
Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition

We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.

We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic. We will conduct a thorough background check for all hires in compliance with applicable.

CardWorks

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