Sr. Analyst Third-Party Risk, Enterprise Risk Management

Join our team - and take the next step in achieving a fulfilling career!

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 the risk governance program, risk oversight, and to provide an independent view of risks faced by CardWorks, its clients and their customers.   

The Third-Party Senior Risk Analyst supports the overall direction of Third-Party Risk Management (“TPRM”) activities by identifying and assessing potential risks with current and potential third parties.

Essential Functions:

• Manage and support the Company’s third-party risk strategy by ensuring risk assessments, due diligence, and ongoing monitoring is conducted according to the Third-Party Risk Management policy and any gaps are accurately identified and remediated.

• Performs initial risk triage for high-risk service providers and performs assessment of service providers’ information security programs and controls as it relates to the Company’s requirements.

• Validates elements of the Third-Party Risk Assessment, working with service providers and business relationship owners to ensure data is complete, accurate and approved timely. 

• Manage the oversight/ coordination of third-party risk management and the respective oversight and performance assessments.

• Work with the Business Relationship Owners throughout the organization for current and potential third parties to obtain necessary information for risk assessments (financials, audit reports, questionnaires, policies, etc.).

• Assess, in writing, key risks that may arise from the Company’s outsourced activities and options for controlling these risks. 

• Prepares TPRM reporting for management and committees, including board of directors.

• Identifies, prioritizes and pursues opportunities to enhance the Company’s third party risk management processes and propose innovative solutions to optimize program effectiveness. 

• Manage TPRM’s system of record, RSA Archer, and provides recommendations on how to maximize the systems efficiency and user experience. 

• Adjust processes to adhere to changes in the regulatory environment.

• Oversee and maintain operational procedures for TPRM processes.

• Escalate suspected violations of law, regulations or non-compliance to Company policies.

• Drives TPRM training across the First Line of Defense to ensure roles and responsibilities across key stakeholders are clearly understood.   

• Reviews and approves certain due diligence assessments as needed.  

• Perform other duties as assigned by the Director, Third-Party Risk Management

Education and Experience:

• Bachelor’s degree in a business-related field required; or six (6) years of related work experience accepted in lieu of education

• Seven (7) years of related experience in Third-Party Risk Management, experience in Information Security Assessments preferred

• Additional experience with risk, audit or internal control monitoring experience preferred.