Analyst II 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 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, c