Vice President, Enterprise Risk Management

## Vice President, Enterprise Risk Management Apply locations:
South Jordan:
Wilmington time type:
Full time posted on:
Posted Todayjob requisition :
JR101021
* Join our team - and take the next step in achieving a fulfilling career!
* ** Become an everyday champion — and build a career where your impact fuels financial progress.
**** What We Do
** Card Works Financial Group is a diversified financial services platform building ethical solutions across credit, lending, and the full customer lifecycle. Through our family of companies, Card Works Financial Group tackles the complex challenges that larger financial institutions leave behind. We’re embedded throughout the credit card ecosystem as a lender, servicer, and merchant acquirer.  
** Who We Are
*** Merrick Bank:
The bank that builds
* Card Works Servicing:
One partner, total performance
* Carson Smithfield:
Resolution with respect  With nearly 40 years of operating history, our track record is solid: disciplined in downturns and built to accelerate in recovery. The Card Works Financial Group companies take precise approach in complex markets, as a top three non-prime focused general purpose card issuer and a top fifteen U.S. merchant acquirer.

Our team tackles the industry’s most complex credit and payment challenges. And we believe that excellent work starts with a team that feels supported, respected, and empowered to grow.

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.  Founded in 1997, Merrick Bank is an FDIC-insured financial institution headquartered in South Jordan, Utah, with over $10 billion in assets.

A wholly owned subsidiary of Card Works Financial Group, Merrick Bank serves roughly five million card members and more than 100,000 merchant customers, offering credit cards, recreational loans, deposit accounts, merchant services and bank sponsor ships to consumers and businesses.  Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.
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* Position Summary:

** The Vice President, Enterprise Risk Management is responsible for providing strategic leadership, oversight, and continuous enhancement of Merrick Bank’s (“Bank”) Enterprise Risk Management (“ERM”) Program, including the comprehensive oversight of the Third‐Party Risk Management (“TPRM”) Program.  This role leads a team responsible for ensuring enterprise‐wide risks—including those arising from third‐party relationships—are effectively identified, assessed, monitored, and reported in alignment with regulatory requirements, industry best practices, and the Bank’s risk appetite.  

This role requires strategic cross-functional collaboration and executive-level influence to ensure effective risk governance across the enterprise.
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* Essential Functions:

*** Leads the design, execution, and ongoing enhancement of the Enterprise Risk Management (ERM) framework, ensuring enterprise‐wide consistency in risk identification, assessment, monitoring, and reporting.
* Provides strategic oversight of the Third‐Party Risk Management (TPRM) program, including governance across the full third‐party lifecycle, in alignment with regulatory guidance and the Bank’s risk appetite.
* Works across the first and second lines of defense to deliver clear, actionable enterprise and third‐party risk insights to senior management, risk committees, and the Board.
* Oversees enterprise risk assessments, risk appetite monitoring, key risk indicators (KRIs), and risk profile reporting, ensuring alignment with internal governance standards and regulatory expectations.
* Aggregates and synthesizes risk information from multiple sources to identify emerging risks, trends, control gaps, and remediation status.
* Serves as a trusted enterprise and third‐party risk advisor to executive leadership and governance forums, providing independent challenge and risk perspective.
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