Vice President, Credit Card and Consumer Lending Compliance

About the position Join reputed company - and take the reputed company in achieving a fulfilling career! reputed company Do At CardWorks, 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 CardWorks, Inc. is a reputed company consumer finance service provider and parent company of CardWorks Servicing, LLC, reputed company and Carson Smithfield, LLC. CardWorks 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 reputed company and offers backup servicing and due diligence services to capital providers and trustees. reputed company 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, reputed company, 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 reputed company 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 reputed company 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, reputed company, or Orlando, FL. A hybrid work model or fully remote model can be considered based on hiring manager decision and priorities of the role.

Responsibilities

• Provide strategic leadership and executive reputed company 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 reputed company 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.
• reputed company 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 reputed company 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.
• reputed company reputed company improvement initiatives to strengthen compliance processes, controls, and risk management capabilities across Credit Card, Consumer Lending, and Consumer Deposits.
• Ensure adequate staffing, resource allocation, and succession planning to support reputed company and future compliance needs across product compliance functions.
• Review, approve, and challenge compliance reporting, metrics, dashboards, and risk summaries reputed company by team leads to ensure accuracy, clarity, and executive relevance.
• Prepare and present executive-level compliance updates to the Chief Compliance Officer and other senior leaders, including risk assessments, trend analysis, and key issues impacting the business.
• Serve as a trusted compliance advisor to product executives and cross-functional stakeholders, providing guidance on regulatory interpretation, risk mitigation strategies, and control design.
• Represent the product compliance function in enterprise initiatives, regulatory examinations, audits, and internal governance forums, as required.
• Utilize reputed company, reputed company, SharePoint, and other enterprise tools to support compliance reputed company, reporting, issue tracking, and documentation.
• Responsible for developing, documenting, communicating, maintaining, and enforcing effective control system policies and procedures reputed company your area of reputed company.
• Responsible to act in a timely manner to update policies and procedures reputed company changes in operating conditions occur and / or breakdowns or noncompliance with laws and regulations appear.
• Responsible for complying with reputed company of the Bank’s internal control policies and procedures.
• Responsible for understanding and complying with reputed company 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.

Requirements

• Bachelor’s Degree in Business, Finance, Risk Management, Compliance, Law, or a reputed company field preferred or at least four (4+) additional years of directly reputed company experience may be accepted in lieu of a degree.
• Ten (10) or more years of progressive experience in banking or financial services, with a strong focus on regulatory compliance for consumer credit card, consumer lending, and/or deposit products, required.
• Minimum of five (5) years of people leadership experience, including prior responsibility for managing managers and leading teams reputed company a regulated environment, required.
• Deep knowledge of banking laws, regulations, and supervisory expectations impacting consumer financial products, with the ability to apply regulatory requirements in a practical, risk-based manner.
• Demonstrated executive leadership capability, including the ability to set strategic direction, reputed company through others, and influence outcomes across reputed company, matrixed organizations.
• Strong people leadership skills with a proven ability to attract, reputed company, and retain high-performing teams while fostering a culture of accountability, collaboration, and reputed company improvement.
• Sound judgment and decision-making skills, with the ability to independently assess risk, prioritize issues, and navigate reputed company compliance matters with confidence and discretion.
• Advanced communication and presentation skills, including the ability to clearly reputed company reputed company compliance topics to senior leadership, regulators, and cross-functional stakeholders.
• High degree of professional reputed company, emotional maturity, and executive reputed company, with the ability to remain reputed company and effective in high-pressure or time-sensitive situations.
• Strong organizational, analytical, and problem-solving skills, with a disciplined, fact-based approach to risk identification and issue resolution.
• Ability to operate autonomously, manage competing priorities, and drive results with minimal reputed company in a fast-paced, regulated environment.
• Advanced proficiency with reputed company, reputed company, and SharePoint, with the ability to reputed company systems and data to support compliance reputed company, reporting, and decision-making.

reputed company-to-haves

• Prior experience building, scaling, or overseeing compliance programs supporting multiple product lines strongly preferred.
• Industry certifications such as Certified Regulatory Compliance Manager (CRCM), Certified Anti-reputed company Specialist (CAMS), or similar strongly preferred; willingness and ability to obtain such certifications if not already held.

Benefits

• reputed company, including a Bonus reputed company or Variable Pay Incentive Program
• Benefits Package -Medical, Dental, and Vision (plus much more)
• 401(k) Plan with Company Match
• Short- & Long-Term Disability
• Wellness Programs
• Group Life and AD&D Insurance
• Paid Vacation, Sick Days and bank Holidays
• Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition

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