Senior Auditor, Internal Audit

CardWorks • Woodbury, MN

23h • Onsite

About The Position

At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise, building meaningful, long-term relationships with consumers, employees, and clients. CardWorks, Inc. is a diversified consumer finance service provider and parent company of CardWorks Servicing, LLC, Merrick Bank, and Carson Smithfield, LLC. CardWorks Servicing, LLC provides end-to-end operational servicing functions for credit cards, secured cards, and installment loans, servicing consumer and small business loans and offering backup servicing and due diligence. Merrick Bank is an FDIC-insured Utah Industrial Loan Bank with business lines in credit cards, recreational lending, and merchant services. Carson Smithfield, LLC provides post-charge-off debt recovery services. The Senior Internal Auditor participates in and/or independently conducts all phases of operational/regulatory and complex audits, including coordinating with auditees, interviews, evaluating control structures, and preparing documentation in accordance with the Quality Assurance Improvement Program. This role also provides guidance and direction to less experienced staff and works under moderate direction.

Requirements

• Bachelor’s Degree in Accounting, Finance, or a closely related field is required
• Five (5) + years’ audit experience in financial services or public accounting is required
• A minimum of one (1) professional certification is required, to include Certified Public Accountant, Certified Internal Auditor, Certified Regulatory Compliance Manager, Certified Information Systems Auditor, Certified Financial Services Auditor, or Certified Fraud Examiner
• Demonstrable knowledge of International Standards for the Professional Practice of Internal Auditing
• Demonstrable knowledge of internal control best practices and the Committee of Sponsoring Organizations of the Treadway Commission Integrated Framework
• Demonstrable knowledge of Federal Deposit Insurance Corporation Improvement Act requirements and consumer compliance regulations
• Demonstrable knowledge and prior experience in credit card issuing and acquiring processes, bank and financial servicing operations, internal control frameworks, and regulatory requirements
• Prior experience and demonstrable ability with Oracle financials, Fiserv open and closed-end loan platforms, and the Jack Henry deposit system
• Demonstrable ability and prior experience in researching accounting and regulatory standards and the application of these standards to transactions
• Demonstrable ability to evaluate large quantities of data and identify errors and root causes
• Demonstrable ability to understand complex transactions and gather information from various personnel
• Demonstrable ability to utilize data analysis and tools to develop test samples
• Demonstrable knowledge of and prior experience preparing audit work papers in accordance with a Quality Assurance Improvement Program
• Demonstrable ability to complete web-based training programs and pass related tests
• Demonstrable ability to communicate and explain any difficulties encountered in performing audit test work

Responsibilities

• Assists in planning audits and performing risk assessments utilizing knowledge of credit card issuing and acquiring processes, bank and financial servicing operations, internal control frameworks, and regulatory requirements
• Develops and implements audit programs to test effectiveness of internal controls and adherence to consumer compliance regulations utilizing knowledge of the Federal Deposit Insurance Corporation Improvement Act, the Committee of Sponsoring Organizations of the Treadway Commission Integrated Framework, and consumer compliance regulations
• Performs audit assignments, including reading policies, conducting interviews, and gathering reports and data from banking systems and platforms utilizing data analysis and tools to develop test samples, ability to understand complex transactions, ability to gather information from various personnel, and knowledge of Oracle Financials, Fiserv open and closed-end loan platforms, and the Jack Henry deposit system
• Analyzes and evaluates collected evidence, and form an opinion on the adequacy and effectiveness of controls utilizing ability to research accounting and regulatory standards and apply them to transactions, and ability to evaluate large quantities of data and identify errors and root causes
• Prepares audit work papers in accordance with the Company's Quality Assurance Improvement Programs and ensures that sufficient evidence is documented to support related audit findings and conclusions utilizing strong attention to detail, knowledge of the International Standards for the Professional Practice of Internal Auditing, and knowledge of Quality Assurance Improvement Programs
• Obtains management responses to audit findings and perform follow up inquiry and transactional testing to confirm remediation of audit findings
• Assists external auditors on integrated audit internal control assessments utilizing knowledge of internal control best practices
• Assists in reporting risk management issues and internal control deficiencies using professionally written deliverables appropriate for all levels of management and governance utilizing ability to communicate and explain any difficulties encountered in performing audit test work
• Provides support to the Company's anti-fraud programs, including participation in fraud investigations and identification of fraud risks
• Provides staff mentoring and assist in supervising lower-level auditors
• Completes administration functions such as time tracking and staff meetings and training and development programs utilizing ability to complete web-based training programs and pass related tests

Benefits

• Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
• 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
• A total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Number of Employees: 251-500 employees