Analyst ; Third Party Products

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At Card Works, 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.

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

Card Works 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 offer 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.

• Assist in the overall implementation of the Bank’s Compliance Management System (CMS) and in the development of an overall compliance testing plan for third party products with compliance impact.
• Stay abreast of federal and state regulatory changes, report such changes to management and assist in determining appropriate responses, including the development of new testing plans.
• Report to the Chief Compliance Officer on any suspect violations of law, regulations or non‑compliance to Company policy and take responsibility to ensure resolution.
• Maintain compliance related policies and procedures to ensure continued applicability and completeness.
• Demonstrate an ability to adapt to any changes in the regulatory environment.
• Perform other compliance‑related duties as assigned by compliance management and the Chief Compliance Officer.
• Serve as an advisor to the Business Units by helping interpret regulatory requirements and advising on control/process expectations and issues resolution.
• Develop and present training on compliance topics as needed.
• Attend conferences and trainings to enhance compliance knowledge and skills.
• Assist in preparing materials and resources for regulatory examinations, department and committee meetings.

• Responsible for complying with all of the Bank’s internal control policies and procedures.
• Responsible for understanding and complying with all laws and regulations to which the Bank is subject.
• Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.

• Conduct third‑party product testing and monitoring for compliance with various laws and regulations utilizing existing Bank programs, and prepare report of findings and present results to leadership.
• Develop and maintain comprehensive testing plans for compliance related risks throughout the Bank.
• Support the ongoing monitoring of key risk indicators and metrics associated with all third‑party products with compliance impact.
• Revise and/or customize testing plans based on results of prior testing, regulatory changes, changes to internal processes, or audit/examination findings.
• Identify process weaknesses or gaps and report them to the applicable business unit.
• Assist with the review of marketing materials, customer communications, and disclosures of third party products to ensure compliance with applicable regulations.

• Participate in new product development, system initiatives, and other projects related to third party products.
• Assess needs related to consumer regulatory guidance and requirements by meeting with stakeholders and participating in project meetings, document the change and objectives and communicate to various Compliance teams.
• Assist in conducting CMRAs for internal projects and determine compliance impact.
• Ensure all stakeholders within Compliance have awareness of project scope, so…