Senior Risk Analyst, Enterprise Risk Management (Bank Origination

Position: Senior Risk Analyst, Enterprise Risk Management (Bank Origination)
## Senior Risk Analyst, Enterprise Risk Management (Bank Origination)
Apply locations:
South Jordan:
Wilmington time type:
Full time posted on:
Posted Todayjob requisition :
JR101043
** Join our team and build your career with momentum as we champion your growth, elevate your ideas and engage you in purpose-driven work that makes a real difference every day.*
* ** Who we are
** 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 nationwide.  
** What we do
** We provide credit cards, recreational loans, deposit accounts, merchant services and bank sponsor ships to consumers and businesses. As a leader in non-prime lending and merchant acquiring, we combine innovative technology with data-driven insights to help underserved consumers build and strengthen credit while delivering integrated, scalable payment solutions for businesses.

Merrick Bank ranks among the top 20 FDIC-insured credit card issuers in the U.S. and among the top 15 merchant acquirers by transaction volume.
*
* Essential Functions:

*
* * Supports the execution of the ERM program across the Bank, ensuring consistency in risk identification, assessment, monitoring, and reporting practices.
* Contributes to the development and enhancement of risk reporting and governance processes for Bank Origination and other key risk programs.
* Supports second-line oversight of risks arising from Bank Origination programs through aggregation and analysis of risk related data.
* Assists in monitoring risk exposures, including identification of emerging risks, trends, and concentration risks.
* Partners with first and second-line stakeholders and subject matter experts to collect, validate, and challenge risk inputs.
* Aggregates and analyzes risk information from multiple sources, including risk assessments and risk monitoring activities, to support Bank-level reporting.
* Supports risk appetite monitoring processes, including identification and escalation of threshold breaches or adverse trends.
* Prepares and maintains risk dashboards, key risk indicators (KRIs), and trend analyses for management review.
* Supports the development and maintenance of enterprise risk profiles and supporting documentation.
* Produces concise, decision-useful reporting for senior management and risk governance committees.
* Ensures alignment with internal governance standards, policies, and regulatory expectations.
* Performs other duties as assigned.
** Compliance with Laws & Regulations:
*** 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.
*
* Education and Experience:

*
* * Bachelor’s degree in Risk Management, Finance, Business Administration, Accounting, or a related field required; advanced degree or professional certification (e.g., CRMA, FRM, CPA, CIA) preferred.
* Minimum of 3-5 years of progressive experience in Enterprise Risk Management, Operational Risk, Third-Party Risk Management or a related risk discipline within a financial services or regulated environment..
** Summary of

Qualifications:

*
* * Experience supporting Bank Origination, fintech partnership, or third-party risk oversight activities.
* Familiarity with interagency third-party risk management guidance and partner governance expectations.
* Solid understanding of ERM frameworks, risk governance practices, and regulatory expectations applicable to banking and financial services organizations.
* Proven ability to work cross functionally, influence stakeholders, and partner effectively with both first and second line teams.
* Excellent written and verbal communication skills, with a strong attention to detail and the ability to translate technical risk concepts into business…