CardWorks

Data Scientist

• Lead the development and delivery of enterprise reporting, executive dashboards, KPI scorecards, portfolio analytics, competitor benchmarking, and strategic business insights.
• Conduct in-depth analysis of industry trends, competitive dynamics, emerging technologies, market opportunities, and regulatory developments affecting the consumer lending, credit card, banking, payments, and fintech industries.
• Apply advanced statistical techniques, machine learning models, and predictive analytics to identify patterns, forecast market changes, and support strategic business decisions.
• Design and implement AI-powered market intelligence and competitive research solutions that automate the collection, synthesis, and interpretation of market data.
• Utilize Large Language Models (LLMs) to analyze and summarize earnings calls, SEC filings, analyst reports, press releases, industry publications, and competitor disclosures.
• Develop Retrieval-Augmented Generation (RAG) solutions and AI agents that enable continuous monitoring of competitor activity, customer trends, market signals, and regulatory developments.
• Build executive AI copilots that support strategic planning, competitive analysis, and business decision-making.
• Integrate external market, economic, customer, and industry datasets with internal business performance data to generate comprehensive insights.
• Analyze portfolio performance across lending products, identifying opportunities related to growth, profitability, customer behavior, risk management, and operational efficiency.
• Partner with business, product, marketing, digital, risk, technology, and finance leaders to translate analytical findings into actionable business recommendations.
• Support board presentations, regulatory requests, audit reviews, second-line risk reviews, and executive strategic initiatives through rigorous analysis and communication.
• Prepare audit-ready analyses and documentation to support regulatory, compliance, and governance requirements.
• Present complex analytical findings and strategic recommendations to executive leadership in a clear, concise, and compelling manner.
• Foster a culture of innovation, analytics excellence, data-driven decision-making, and AI adoption across the organization.

Director, Data Science

Business Analyst

• 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.

Senior Risk Analyst, Enterprise Risk Management

Risk

• Lead the execution and ongoing enhancement of the Bank’s Third-Party Risk Management framework, ensuring alignment with regulatory expectations and internal governance standards.
• Oversee risk-based third-party due diligence, risk assessments, and ongoing monitoring activities across the full third-party lifecycle, ensuring consistent, defensible, and risk-informed outcomes.
• Partner with business units, Vendor Relationship Owners, and Subject Matter Experts to identify, assess, and mitigate risks associated with third-party relationships.
• Provide senior level review and challenge of third-party risk assessments, ensuring conclusions are evidence-based, appropriately documented, and escalated when risk exposure exceeds defined thresholds.
• Monitor third-party performance, control effectiveness, and risk indicators, escalating issues, control gaps, and emerging risks in accordance with established governance protocols.
• Lead the design, development, and maintenance of TPRM policies, procedures, standards, and workflows to support a consistent enterprise-wide operating model.
• Define and Deliver executive, committee, and Board-level reporting that provides clear visibility into third-party risk exposure, trends, issues, concentrations, and emerging risks.
• Collaborate with Legal, Procurement, Information Security, Compliance, and business stakeholders to ensure appropriate contract provisions, controls, and risk mitigation strategies are implemented.
• Lead TPRM responses for regulatory exams, internal audits, and independent reviews, including documentation, analysis, issue remediation, and management responses.
• Drive the TPRM program maturity roadmap, including process improvements, automation, data quality, GRC optimization, regulatory alignment, and adoption of industry best practices.
• Leads, develops, and mentors TPRM teams, promoting strong risk culture, accountability, high performance, and continuous improvement.
• Partner with ERM leadership to establish TPRM priorities, roadmap initiatives, governance routines, and success measures aligned to enterprise risk strategy and business objectives.
• Identify and escalate third-party concentration risk, critical vendor risk, fourth-party risk, control gaps, and emerging risk themes to appropriate governance forums.
• Delivers executive, committee, and Board level risk reporting, including dashboards and risk insights that support informed decision making and effective oversight.
• Owns continuous improvement of TPRM tools, data, workflows, reporting, and GRC system capabilities to improve efficiency, transparency, data integrity, and regulatory readiness.
• Performs other duties as assigned.

AVP, Third-Party Risk Management

• Responsible for daily, weekly, monthly and quarterly monitoring activities supporting Service Provider Sponsorship Program Oversight and Specialty Risk initiatives
• Support the oversight and ongoing monitoring of high risk and specialty merchant verticals to ensure adherence with Merrick Bank policies, card brand requirements, and program controls
• Assist in developing risk mitigation strategies and recommending controls designed to reduce portfolio exposure
• Work closely with Risk, Underwriting, Compliance, Operations, and partner teams to assess account activity, communicate findings, and facilitate resolutions
• Establish and maintain relationships with assigned partners and internal stakeholders supporting Specialty Risk programs
• Provide ongoing guidance regarding risk mitigation strategies, onboarding requirements, and monitoring expectations for specialty merchant categories
• Perform reviews and investigations related to unusual activity, MCC alignment, policy adherence, and other identified risk indicators
• Maintain weekly risk tracking logs, supporting documentation, and audit evidence
• Support ongoing portfolio reviews, escalations, and strategic Specialty Risk initiatives as needed
• Assist with ad hoc projects and strategic initiatives assigned by management

Merchant Specialty Risk Analyst

• Responsible for providing strategic leadership, oversight, and continuous enhancement of Merrick Bank’s Enterprise Risk Management (ERM) Program.
• Leads a team responsible for ensuring enterprise‑wide risks—including those arising from third‑party relationships—are effectively identified, assessed, monitored, and reported.
• Provides strategic oversight of the Third‑Party Risk Management (TPRM) program.
• 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.
• 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.
• Collaborates closely with Compliance, Credit Risk, Information Security, Legal, Vendor Management, and business leadership to strengthen risk governance, data quality, and risk mitigation outcomes.
• Leads, develops, and mentors high‑performing ERM and TPRM teams.
• Maintains and continuously improves the GRC system of record.

Director, Data Science

Senior Risk Analyst, Enterprise Risk Management

AVP, Third-Party Risk Management

Merchant Specialty Risk Analyst

Vice President – Enterprise Risk Management