Vice President, Credit Card and Consumer Lending Compliance

* Join our team - and take the next step in achieving a fulfilling career!
*** What We Do
** 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.
** Who We Are
** 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 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 VP, Credit Card and Consumer Lending & Deposits Compliance, is responsible for the strategic leadership, oversight, and execution of compliance risk management for the Bank’s Credit Card, Consumer Lending, and Consumer Deposits product lines. This role provides direct leadership to the respective Product Compliance Team Leads, ensuring consistent execution of compliance activities, alignment with regulatory requirements, and integration with enterprise compliance standards across all in-scope products.

Serving as a key liaison between the Chief Compliance Officer and the product compliance teams, the VP drives enterprise alignment, cross-functional collaboration, standardization, and continuous improvement in compliance risk management. This role plays a critical leadership function in safeguarding the Bank’s regulatory standing while enabling responsible business growth, sound risk-taking, and sustainable product innovation**.
*** Ideally, the qualified candidate will work at the following location(s):
South Jordan, UT, Wilmington, DE, or Orlando, FL. A hybrid work model or fully remote model can be considered based on hiring manager decision and priorities of the role.
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* Essential Functions:

*** Provide strategic leadership and executive oversight for Credit Card, Consumer Lending, and Consumer Deposits Product Compliance, ensuring alignment with enterprise compliance strategy and the Bank’s risk appetite, as directed by the Chief Compliance Officer.
* Serve as the primary liaison between the Chief Compliance Officer and Product Compliance Teams, translating enterprise priorities into consistent, effective execution across product lines.
* Directly supervise, coach, and develop the Credit Card and Recreation Lending / Consumer Deposit Product Compliance Team Leads, setting clear expectations for performance, accountability, and professional growth.
* Establish vision, priorities, and execution standards for product compliance teams to ensure high-quality, timely, and consistent compliance risk management activities.
* Oversee the execution of core compliance activities across product lines, including advisory support, Compliance Risk Assessments, Change Management Risk Assessments (CMRAs), monitoring, testing, issue management, and regulatory change implementation.
* Provide executive oversight of compliance issue identification, remediation planning, and closure across product lines, ensuring timely resolution and sustainable corrective actions.
* Proactively identify, monitor, and assess emerging compliance risks and trends, elevating material risks, delays, or systemic concerns to the Chief Compliance Officer and senior leadership as appropriate.
* Drive standardization of compliance methodologies, tools, templates, and practices across product compliance teams to enhance consistency, effectiveness, and efficiency.
* Lead continuous improvement initiatives to strengthen compliance processes, controls, and risk management capabilities across Credit Card, Consumer Lending, and Consumer…