Director, Enterprise Risk Management

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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.

The Director of Enterprise Risk Management (“ERM”) is responsible for leading the functional oversight, execution, and continuous enhancement of the Enterprise Risk Management program across Merrick Bank (“Bank”). This role partners closely with senior management and key stakeholders across the first and second lines of defense to ensure enterprise risks are identified, measured, monitored, and reported in a consistent and effective manner.

• Provides functional leadership and oversight of the Enterprise Risk Management program across Merrick Bank and its Parent Company, Card Works, ensuring consistent risk identification, assessment, monitoring, and reporting practices enterprise-wide.
• Works across the three lines of defense to manage the enterprise risk reporting framework, including the design, preparation, review, and enhancement of risk dashboards, metrics, trend analyses, and executive summaries for Senior Management, Risk Committees, and the Board of Directors.
• Aggregates risk information from multiple sources (e.g., risk appetite/tolerance monitoring, risk assessments, and issue management) to produce clear, concise, and actionable enterprise‑level risk reporting.
• Oversees the development and ongoing maintenance of enterprise risk profiles, risk appetite reporting, and key risk indicators (KRIs), ensuring alignment with internal governance standards and regulatory expectations.
• Monitors and reports on risk issues, control gaps, and remediation activities, including tracking status, identifying trends, and escalating concerns to ERM leadership as appropriate.
• Partners with first‑line business units and other second‑line functions (e.g., Compliance, Credit Risk, Information Security, Third‑Party Risk) to enhance the quality, consistency, and usability of risk data and reporting outputs.
• Supports the preparation of materials for enterprise risk governance forums, including management risk committees and Board or Board Committee meetings, and assists in presenting risk information to senior stakeholders.
• Drives continuous improvement of ERM reporting tools, templates, and processes, including leveraging systems of record and data analytics to improve efficiency, accuracy, and insight.
• Maintains related policies, standards, and procedures to ensure continued applicability and completeness.
• Performs other duties as assigned.

• 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.

• Bachelor’s degree in Risk Management, Finance, Business Administration,…