Director, Deposit Operations

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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.

• 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.

The Director, Deposit Operations supports the overall deposit activities of Merrick Bank Corporation (the “Bank”) by overseeing the deposit area systems, call‑center operations and support staff and is critical in the implementation of new deposit related products and systems. This position will work closely with multiple departments at the Bank to ensure all aspects that pertain to or impact the deposit operations team are researched, designed, and implemented successfully.

The Director, Deposit Operations supports the AVP, Deposit Manager by maintaining a thorough knowledge of the deposit operations processes for multiple processing platforms, performing various daily, and monthly oversight audits of deposit operations and assists the deposit operations teams in completing required deposit functions and in identifying and solving complex deposit operation issues as required.

• Assists the AVP Deposit Manager in directing and overseeing the deposit operations for the Bank by maintaining a thorough knowledge of multiple processing platforms and the associated daily, monthly, quarterly and annual deposit process and controls and identifies improvements to such processes to add efficiency, automation and scalability.
• Assist in or oversees in the research, planning and implementation of new processes and new products including cost/benefit analysis, identifying all tasks and any risks involved when scoping new products or systems.
• Oversee in identifying, designing, documenting and implementing controls for deposit and call‑center operations.
• Oversees, installs, modifies, documents, tests and implements Deposit processes in support of operations.
• Oversees the daily, weekly and monthly auditing of account servicing and deposit account operations.
• Performs analyses of systems, deposit and call‑center operations to improve efficiency and customer satisfaction.
• Collaborates with other areas of the Bank impacted by or impacting deposit operations.
• Works directly with Jack Henry, the department’s primary processors, to…