Aqua Finance, Inc.

Events

• Investigating and preventing financial losses within the company
• Skip tracing, and target calling campaigns
• Spot trends on first payment defaults and report information
• Make outbound dials from calling queues to resolve customer accounts
• Assist in answering appropriate overflow ring group calls

Skip & Loss Prevention Specialist

General

• Monitoring, tracking, researching, and responding to borrower complaints received through non-regulatory channels
• One-call resolution on complaint calls
• 2nd level support to assist agents with supervisor calls and answering questions
• Ongoing monitoring of complaints and disputes across all channels
• Research borrower’s accounts, documents, etc. against the complaints received
• Write a clear summary of the problem and resolution
• Perform professional and comprehensive issue resolution and service to build strong dealer relationships
• Work with various departments to facilitate resolution

Resolution Specialist

Accounting Manager

• Overseeing the accounting and financial reporting of loan transaction activity in accordance with Generally Accepted Accounting Principles (GAAP)
• Ensuring accurate accounting treatment, financial statement disclosures, and internal controls related to loan transactions and pooled loan assets
• Leading, mentoring, and developing a team of four Accountants and one Accounting Manager
• Creating, maintaining, and enhancing key process documentation to support internal controls, audit requirements, regulatory compliance, and operational consistency
• Overseeing monthly variance analyses and effectively communicating key drivers, trends, and business impacts to management and stakeholders
• Partnering with Treasury to determine appropriate GAAP accounting treatment
• Directing the preparation and review of journal entries, monthly bank reconciliations, external reporting requirements, and entity-level financial reporting
• Overseeing accounting and reconciliation activities related to third-party net settlement processes
• Supporting external financial statement audits, SOC 1 examinations, and compliance audits by providing documentation, analysis, and audit support
• Identifying, recommending, and implementing process improvements and automation opportunities to enhance efficiency, accuracy, and scalability
• Reviewing work performed by offshore accounting resources to ensure quality, consistency, and timely completion of deliverables
• Serving as the Accounting representative on cross-functional growth initiatives, strategic projects, and system modernization efforts
• Monitoring and strengthening internal controls to ensure compliance with company policies, regulatory requirements, and accounting standards

Director, Loan & Pool Accounting

• Leads the end-to-end risk assessment, control design, documentation and certification process for internal controls over financial reporting
• Responsible for managing Aqua’s annual SOC 1 report and related audit activities
• Manages and develops 1 - 2 direct reports
• Oversees contracts and ongoing relationships with third-party valuation consultants
• Manages the preparation of the quarterly fair value analyses
• Reviews journal entries, account reconciliations, and supporting schedules for month-end, quarter-end, and year-end close
• Leads the stand-alone legal entity analysis of monthly financial results
• Analyzes financial results, investigates variances, and provides insights to management
• Identifies opportunities to streamline accounting processes and strengthen control environments
• Leads the documentation and enhancement of internal controls over financial reporting
• Monitors the operating effectiveness of controls through testing, identification of gaps, and implementation of remediation plans
• Develops and maintain accounting policies, procedures, and process documentation
• Responsible for the SOC 1 audit through collaboration with Aqua control owners and external auditors
• Partners with external auditors and compliance teams to support financial statement audit and regulatory examinations
• Monitors emerging accounting standards and assesses their impact on the company
• Supports system implementations, upgrades, and automation initiatives
• Collaborates closely with IT, finance, sales, and operations to ensure accurate controls are in place and operating effectively

Accounting and Reporting Manager

Architect

• Lead the design, implementation, optimization, and governance of enterprise data platform
• Ensure scalable, secure, and high-performing data solutions supporting business intelligence, reporting, analytics, data science, and AI-driven initiatives
• Design, implement, and optimize high-performance data architectures on the Snowflake cloud data platform
• Develop robust logical and physical data models, optimizing query performance and resource utilization
• Design, build, and optimize scalable data ingestion and transformation pipelines utilizing Snowpipe, dbt, Matillion, Informatica, or similar technologies
• Manage key Snowflake administration tasks, including user/role management, role-based access controls (RBAC), network policies, disaster recovery through account replication, and deployment pipelines
• Optimize Snowflake performance through virtual warehouse sizing, query tuning, clustering keys, materialized views, resource monitors, Tasks, Time Travel, Zero-Copy Cloning, and Secure Data Sharing
• Maintain comprehensive architecture documentation, data flow diagrams, and data lineage to support SOC2 compliance, governance standards, and audit requirements
• Leverage Snowflake Cortex Analyst, Snowpark, and other advanced Snowflake capabilities to enable AI-driven analytics, self-service insights, and advanced use cases
• Collaborate with Business Intelligence, Reporting, Data Science, and Engineering teams to develop scalable, secure, and cost-effective data solutions
• Provide technical leadership, mentor team members, establish best practices, lead proof-of-concept initiatives, and support enterprise data strategy and architecture decisions
• Monitor and optimize Snowflake workloads and spending to ensure efficient resource utilization and predictable costs

Snowflake Architect

Accountant

• Manage and develop a team of 1–2 Accounts Receivable staff through coaching, training, and performance feedback.
• Develop, implement, and maintain internal controls and reconciliation procedures that safeguard company assets and ensure the integrity of financial reporting.
• Ensure payments and loan adjustments are processed timely, accurately, and in accordance with company policies, U.S. GAAP, and regulatory requirements.
• Identify opportunities for automation and operational process improvements.
• Partner with IT and business leaders to develop and communicate business cases for system and process enhancements.
• Partner with Legal, Compliance, and Account Servicing teams to ensure compliant payment processing and timely error remediation.
• Provide day-to-day guidance, training, and support to Accounts Receivable staff.
• Coordinate with external auditors during financial statement audits and SOC 1 examinations.
• Perform other duties as assigned by the Accounts Receivable Manager or Controller.

Senior Accounts Receivable Accountant – Cash Management

Compliance

• Conduct consumer compliance reviews, regulatory testing, risk assessments, and issue validation activities
• Evaluate business processes and controls for compliance with applicable federal and state consumer finance regulations
• Identify compliance risks, document findings, and support remediation efforts
• Provide regular status updates to Senior Compliance Examiners and management throughout the review lifecycle
• Prepare clear, accurate, and well-documented workpapers that outline testing procedures performed, results obtained, and supporting analysis
• Maintain working knowledge of relevant regulatory requirements, regulatory changes, and business initiatives, and understand their potential compliance impacts
• Identify compliance risks and control gaps based on testing results and observations, and communicate findings to the review lead
• Provide timely status updates on assigned testing activities to management
• Contribute to the development of comprehensive and defensible testing reports
• Establish and maintain effective working relationships with business partners and internal stakeholders during the course of reviews
• Respond to business partner inquiries regarding compliance requirements and regulatory expectations
• Review and analyze policies, procedures, workflows, and first-line monitoring activities
• Research regulatory and operational questions and summarize findings; provide recommendations or escalate complex issues as appropriate
• Develop corrective action recommendations, review management action plans, and validate remediation efforts through issue closure
• Support special projects and perform other duties as assigned

Compliance Examiner

• Evaluate new accounting standards and perform accounting research on new business transactions to determine appropriate accounting.
• Participate in the monthly closing of financial statements by recording journal entries and completing detailed analysis of financial statements by identifying trends and variances.
• Evaluate financial risk and design controls for mitigation.
• Collaborate with cross-functional teams, including Operations, Treasury, and Finance to provide accounting expertise on specific projects.
• Complete weekly, monthly, quarterly, and annual internal and external reporting duties.
• Assist with external financial statement and bank auditor requests.
• Lead or participate in special accounting projects, such as system implementations, process improvements and global accounting processes.

Senior Staff Accountant, Accounting and Reporting

• Responsible for ensuring accurate accounting, reporting, and compliance related to treasury operations and tax activities
• Support cash management, banking relationships and tax accounting
• Manage and account for daily cash activity, including incoming/outgoing wires, ACH, and transfers
• Maintain oversight of bank accounts and banking documentation
• Coordinate data gathering and support for external tax filings and compliance requirements
• Maintain proper tax workpapers
• Manage waterfall and servicing activities by reviewing invoices, preparing journal entries, monitoring and recording payments
• Monitor changes in tax regulations and assess impact on accounting and operations
• Work with external tax partners to account for and pay various state franchise, excise, sales and use tax
• Support unclaimed property (escheatment) processes and state reporting requirements
• Identify risks and recommend control enhancements and process improvements/ automation
• Partner with Accounting Operations, FP&A, Treasury, and external advisors to improve workflows
• Document and maintain processes documentation to support compliance and controls
• Escalate cross‑functional risks, issues, or ambiguities promptly with clear options and recommended solutions
• Evaluate new accounting processes and perform accounting research on new business transactions to determine appropriate accounting
• Other duties as assigned by Accounting Operations Management.

Senior Accountant, AP – Treasury & Tax

• Responsible for accurate and timely accounting, reporting, and oversight of dealer-related receivable balances and settlement activity.
• Manage premium recapture and ancillary products processes by designing and executing appropriate financial controls.
• Drive automation and scalability of accounting processes.
• Monitor and reconcile dealer receivable accounts.
• Partner with sales team for appropriate dealer participation recapture terms.
• Serve as primary accounting point of contact for cross‑functional initiatives impacting financial reporting.
• Develop and perform monthly variance analysis and reporting for informed decision-making.
• Ensure compliance with state regulations on customer refunds for ancillary products.
• Research and resolve discrepancies related to dealer payments.
• Implement and manage solutions to improve processes focused on compliance.

Senior Accountant, AP – Dealer Receivables

Security Engineer

• Lead and manage Security Analysts responsible for security operations center (SOC) activities and security administration
• Oversee daily security monitoring, event triage, escalation handling, and incident response coordination
• Establish team priorities, assign work, and ensure timely completion of operational security tasks and remediation activities
• Develop and report on security operations metrics, trends, and performance indicators
• Oversee administration of security tools, including monitoring platforms, endpoint protection, vulnerability management, and access controls
• Manage user access administration, privileged access review support, and periodic access validation processes
• Ensure security controls are functioning effectively and that issues are tracked, escalated, and remediated
• Maintain team procedures, runbooks, and documentation for security operations and incident response
• Support the implementation, tuning, and effectiveness of security tools and monitoring capabilities
• Lead incident detection and response activities, including escalation to leadership when appropriate
• Coordinate with IT and system owners on containment, remediation, recovery, and lessons learned
• Monitor emerging threats and vulnerabilities and direct team focus accordingly
• Support audit readiness, assessments, and operational response exercises
• Manage, coach, and develop Security Analysts, including performance management and career development
• Promote consistency in investigation, documentation, escalation, and communication practices
• Partner with the CISO on staffing, workload planning, and operational maturity initiatives
• Collaborate with Audit, Risk, Compliance, and IT teams on control validation and issue remediation
• Support third-party reviews and audit follow-up activities
• Escalate material risks, control gaps, and resource concerns to the CISO
• Ensure alignment with organizational policies, standards, and regulatory requirements

Information Security Manager

Collections

• Leads the design, deployment, optimization, and governance of predictive decisioning strategies supporting outbound collections operations
• Develops, validates, deploys, and optimizes predictive models supporting collections segmentation, prioritization, and treatment strategies
• Operationalizes machine learning and statistical models directly within collections and decisioning platforms
• Translates model outputs into executable decision logic, workflows, thresholds, routing rules, and contact strategies
• Monitors production model performance and recalibrates strategies based on drift, operational outcomes, regulatory changes, and portfolio behavior
• Designs and manages customer segmentation strategies aligned to delinquency stage, risk tiers, roll rates, payment behavior, and customer engagement patterns
• Defines and governs outbound contact policies, including channel prioritization, cadence strategies, suppression logic, quiet hours, and contact frequency limits
• Leads A/B and multivariate testing initiatives across messaging, channel mix, pacing, cadence, and strategy execution
• Partners with Dialer Operations and Workforce Management teams to optimize list generation, routing, pacing, penetration rates, and operational efficiency
• Develops and maintains executive-level reporting and dashboards measuring RPC, PTP, liquidation rates, cures, roll rates, recovery performance, and operational KPIs
• Maintains model governance documentation, change management controls, validation standards, audit readiness, and regulatory compliance support
• Collaborates cross-functionally with Compliance, Legal, Technology, Data Engineering, and Operations teams to ensure decision strategies remain compliant, scalable, and operationally effective
• Evaluates emerging technologies, decisioning capabilities, and analytics methodologies to continuously improve collections performance and customer outcomes.

Director, Collections Decision Science – Strategy

Product Designer

• Lead the design of intuitive, user-centered web and mobile applications aligned with business and user needs.
• Create wireframes, user journeys, and prototypes to effectively communicate design ideas and functionality.
• Collaborate with IT development teams to translate designs into functional, high-quality digital products.
• Translate complex business requirements into clear and usable software design solutions.
• Provide recommendations on best practices, user flow improvements, and current UI/UX trends to enhance product usability and overall experience.

Senior UI/UX Designer

Administration

• Support the Account Servicing department through accurate and timely execution of administrative and customer correspondence tasks
• Handle account administrative support duties and processing customer correspondence in compliance with company policies
• Ensure a seamless customer experience and maintain detailed records of all activities
• Manage customer contact preference updates
• Process returned mail and ensure timely completion of tasks
• Perform general office and administrative duties related to account servicing
• Supervise assigned queues to ensure work is completed on time

Servicing Administration Specialist

• Ensure accounting for loan receivable balance is in accordance with GAAP and other regulatory requirements
• Design and execute financial controls and reporting
• Process payments (checks, ACH, credit card, wire transfers)
• Reconcile customer accounts and investigate discrepancies
• Identify opportunities for automation and operational process improvement
• Partner with Legal, Compliance, and Account Servicing teams on error remediation
• Work with external auditors on financial statement and SOC 1 audit