Director Of Risk Management Jobs in Utah
Director Of Risk Management jobs in Utah concentrate in financial services, healthcare, technology, and insurance sectors, with demand anchored by the state's fast-growing fintech corridor and large hospital networks. Salt Lake City, Provo, and Ogden are the primary hiring metros, where employers like Intermountain Health, Goldman Sachs, and Zions Bancorporation maintain substantial risk functions. Enterprise risk, operational risk, and regulatory compliance are the most in-demand specialties across these markets. Find a role that fits below and apply directly.
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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 CardWorks Financial Group, Merrick Bank serves roughly five million cardmembers and more than 100,000 merchant customers nationwide.
What we do
We provide credit cards, recreational loans, deposit accounts, merchant services and bank sponsorships 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.
The Director, Credit Risk Oversight, plays a critical leadership role in the Bank's second line of defense by providing independent oversight, challenge, and assessment of credit risk across the enterprise. This position leads credit oversight of the Bank’s consumer lending portfolios. Conducts independent evaluations of credit performance and material credit decisions, and ensures risks are appropriately identified, understood, and escalated.
Through forward-looking risk analysis, effective challenge of assumptions and strategies, and active participation in credit governance, this role influences risk appetite and portfolio strategy. The Director also serves as the functional leader for review and challenge activities within the Credit Risk Oversight function, helping to establish consistent standards for independent risk assessment and effective challenge. This position reports to the VP, Credit Risk Oversight and provides leadership, guidance, and mentorship to members of the Credit Risk Oversight team.
Essential Functions:
Credit Risk Monitoring & Assessment:
Provides independent oversight of consumer lending portfolios through ongoing monitoring of portfolio performance, risk trends, forecast outcomes, and key risk indicators. Identifies emerging risks, evaluates performance relative to expectations, risk appetite, and escalates material concerns to support timely management action and informed governance decisions.
Review, Challenge & Concurrence:
Leads the independent review and challenge of material credit decisions. Evaluates assumptions, methodologies, risk-return tradeoffs, and implementation plans. Provides formal concurrence opinions and escalates concerns when risks are inadequately understood, mitigated, or communicated.
Credit Oversight Reporting:
Develops independent credit risk assessments and executive-level oversight reporting. Synthesizes portfolio performance, forecast results, credit decisions, and emerging risks into clear, actionable insights for senior leadership and governance committees.
Credit Governance:
Supports the development, implementation, and ongoing enhancement of credit risk governance practices, oversight standards, and review and challenge frameworks. Contributes to the establishment of consistent risk oversight processes that promote transparent, disciplined, and effective credit risk management across the enterprise.
Review & Challenge Framework Leadership:
Serves as the functional lead for credit decision review and challenge activities within Credit Risk Oversight. Establishes standards, practices, and documentation requirements for independent challenge, concurrence processes, and escalation protocols to ensure consistent and effective oversight across portfolios.
Credit Risk Partnership & Influence:
Develops strong partnerships across first- and second-line functions, providing an independent perspective on credit risk. Ensures risks are clearly understood, appropriately articulated, and incorporated into decision-making while constructively influencing outcomes through data-driven analysis and effective challenge.
Requirements for Success:
Education & Experience:
- Bachelor's degree in Business, Finance, Economics, Statistics, Mathematics, Engineering, or quantitative discipline is required.
- Master's degree (MBA, Economics, Statistics or related field) is preferred.
- Eight (8) years of experience in consumer credit risk management or strategy, with experience in secured lending, consumer loans, indirect lending, or third-party lending programs.
- Experience providing independent review, challenge, or oversight of credit strategies, forecasts, underwriting policies, portfolio management activities, or risk governance processes strongly preferred.
Knowledge, Skills and Capabilities:
- Credit Risk Management Expertise: Advanced understanding of full lifecycle consumer credit risk management, including credit strategies and credit risk monitoring.
- Independent Review & Challenge: Demonstrated ability to critically evaluate assumptions, methodologies, forecasts, and credit strategies and provide well-supported challenge.
- Risk Governance & Oversight: Strong knowledge of credit risk governance practices, second-line risk management principles, delegated authority structures, and escalation frameworks.
- Executive Risk Communication: Ability to synthesize complex quantitative and qualitative information into clear, concise, and actionable insights, reports, and recommendations.
- Strategic Influence & Partnership: Proven ability to influence decision-making and build credibility while maintaining an independent risk perspective.
- Credit Analytics: Strong analytical capabilities with experience identifying early warning indicators, evaluating portfolio trends, assessing key risk indicators, and forecasting methodologies.
- Technical Knowledge: Ability to leverage data and reporting tools to analyze portfolio performance and communicate risk insights. Familiarity with SQL, SAS, Python, Power BI or comparable analytical tools preferred.
Compliance with Laws & Regulations
Responsible for complying with all 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.
Work Environment/Physical Demands:
- This position is remote or hybrid, and if hybrid, the expectation is that the employee will work approximately 2-3 days onsite per week, depending on business needs.
- Work is in an office environment, sustained posture in a seated position for prolonged periods of time; works with computer equipment for prolonged periods of time.
- Some stress may occur
- Occasional travel may be required
#INDHP
Why join us
We believe in putting people first by supporting our customers, employees and our partners while creating opportunities for everyone to reach their potential. From fostering work-life balance to rewarding good work and innovative ideas, we invest in what matters most, our people.
At Merrick Bank, you’ll be part of a collaborative, customer-focused team where you can grow your career while making a meaningful impact.
Our Employee Value Proposition
- Competitive Pay, including a Bonus Target 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
We offer 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. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.
We are proud to be an equal opportunity employer. All qualified applicants will receive consideration without regard to age, race, color, sex, or gender identity/expression (including pregnancy, childbirth, transgender status, or sexual orientation), religion or creed, ancestry, citizenship, national origin, disability, military or veteran status, marital status, genetic information, or any other characteristic protected by applicable law.
We do not tolerate discrimination, harassment, or retaliation. Employment decisions are based solely on qualifications, merit, and business needs. Everyone is welcome here, and we hire based on your ability to do the job, not any protected characteristics.
If you need help or reasonable accommodation during the application or hiring process, please let your TA Partner know.
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 CardWorks Financial Group, Merrick Bank serves roughly five million cardmembers and more than 100,000 merchant customers nationwide.
What we do
We provide credit cards, recreational loans, deposit accounts, merchant services and bank sponsorships 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.
The Director, Credit Risk Oversight, plays a critical leadership role in the Bank's second line of defense by providing independent oversight, challenge, and assessment of credit risk across the enterprise. This position leads credit oversight of the Bank’s consumer lending portfolios. Conducts independent evaluations of credit performance and material credit decisions, and ensures risks are appropriately identified, understood, and escalated.
Through forward-looking risk analysis, effective challenge of assumptions and strategies, and active participation in credit governance, this role influences risk appetite and portfolio strategy. The Director also serves as the functional leader for review and challenge activities within the Credit Risk Oversight function, helping to establish consistent standards for independent risk assessment and effective challenge. This position reports to the VP, Credit Risk Oversight and provides leadership, guidance, and mentorship to members of the Credit Risk Oversight team.
Essential Functions:
Credit Risk Monitoring & Assessment:
Provides independent oversight of consumer lending portfolios through ongoing monitoring of portfolio performance, risk trends, forecast outcomes, and key risk indicators. Identifies emerging risks, evaluates performance relative to expectations, risk appetite, and escalates material concerns to support timely management action and informed governance decisions.
Review, Challenge & Concurrence:
Leads the independent review and challenge of material credit decisions. Evaluates assumptions, methodologies, risk-return tradeoffs, and implementation plans. Provides formal concurrence opinions and escalates concerns when risks are inadequately understood, mitigated, or communicated.
Credit Oversight Reporting:
Develops independent credit risk assessments and executive-level oversight reporting. Synthesizes portfolio performance, forecast results, credit decisions, and emerging risks into clear, actionable insights for senior leadership and governance committees.
Credit Governance:
Supports the development, implementation, and ongoing enhancement of credit risk governance practices, oversight standards, and review and challenge frameworks. Contributes to the establishment of consistent risk oversight processes that promote transparent, disciplined, and effective credit risk management across the enterprise.
Review & Challenge Framework Leadership:
Serves as the functional lead for credit decision review and challenge activities within Credit Risk Oversight. Establishes standards, practices, and documentation requirements for independent challenge, concurrence processes, and escalation protocols to ensure consistent and effective oversight across portfolios.
Credit Risk Partnership & Influence:
Develops strong partnerships across first- and second-line functions, providing an independent perspective on credit risk. Ensures risks are clearly understood, appropriately articulated, and incorporated into decision-making while constructively influencing outcomes through data-driven analysis and effective challenge.
Requirements for Success:
Education & Experience:
- Bachelor's degree in Business, Finance, Economics, Statistics, Mathematics, Engineering, or quantitative discipline is required.
- Master's degree (MBA, Economics, Statistics or related field) is preferred.
- Eight (8) years of experience in consumer credit risk management or strategy, with experience in secured lending, consumer loans, indirect lending, or third-party lending programs.
- Experience providing independent review, challenge, or oversight of credit strategies, forecasts, underwriting policies, portfolio management activities, or risk governance processes strongly preferred.
Knowledge, Skills and Capabilities:
- Credit Risk Management Expertise: Advanced understanding of full lifecycle consumer credit risk management, including credit strategies and credit risk monitoring.
- Independent Review & Challenge: Demonstrated ability to critically evaluate assumptions, methodologies, forecasts, and credit strategies and provide well-supported challenge.
- Risk Governance & Oversight: Strong knowledge of credit risk governance practices, second-line risk management principles, delegated authority structures, and escalation frameworks.
- Executive Risk Communication: Ability to synthesize complex quantitative and qualitative information into clear, concise, and actionable insights, reports, and recommendations.
- Strategic Influence & Partnership: Proven ability to influence decision-making and build credibility while maintaining an independent risk perspective.
- Credit Analytics: Strong analytical capabilities with experience identifying early warning indicators, evaluating portfolio trends, assessing key risk indicators, and forecasting methodologies.
- Technical Knowledge: Ability to leverage data and reporting tools to analyze portfolio performance and communicate risk insights. Familiarity with SQL, SAS, Python, Power BI or comparable analytical tools preferred.
Compliance with Laws & Regulations
Responsible for complying with all 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.
Work Environment/Physical Demands:
- This position is remote or hybrid, and if hybrid, the expectation is that the employee will work approximately 2-3 days onsite per week, depending on business needs.
- Work is in an office environment, sustained posture in a seated position for prolonged periods of time; works with computer equipment for prolonged periods of time.
- Some stress may occur
- Occasional travel may be required
#INDHP
Why join us
We believe in putting people first by supporting our customers, employees and our partners while creating opportunities for everyone to reach their potential. From fostering work-life balance to rewarding good work and innovative ideas, we invest in what matters most, our people.
At Merrick Bank, you’ll be part of a collaborative, customer-focused team where you can grow your career while making a meaningful impact.
Our Employee Value Proposition
- Competitive Pay, including a Bonus Target 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
We offer 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. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.
We are proud to be an equal opportunity employer. All qualified applicants will receive consideration without regard to age, race, color, sex, or gender identity/expression (including pregnancy, childbirth, transgender status, or sexual orientation), religion or creed, ancestry, citizenship, national origin, disability, military or veteran status, marital status, genetic information, or any other characteristic protected by applicable law.
We do not tolerate discrimination, harassment, or retaliation. Employment decisions are based solely on qualifications, merit, and business needs. Everyone is welcome here, and we hire based on your ability to do the job, not any protected characteristics.
If you need help or reasonable accommodation during the application or hiring process, please let your TA Partner know.
See All 5 Director Of Risk Management Jobs in Utah
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Find JobsDirector Of Risk Management Jobs by City in Utah
Where Utah roles are concentrated, by current openings.
Director Of Risk Management Job Market in Utah
A snapshot from current Utah openings, updated as new roles post.
Who's Hiring
What Utah Employers Look For
The qualifications that appear most often in director of risk management jobs across Utah.
- Bachelor's degree in finance, business, or a related field required by most Utah employers
- Professional Risk Manager or Certified Risk Manager credential strongly preferred in Utah listings
- Seven or more years of progressive risk management experience in a regulated industry
- Demonstrated experience with enterprise risk frameworks such as COSO or ISO 31000
- Strong knowledge of Utah regulatory environment and relevant federal compliance requirements
- Proven ability to lead cross-functional teams and present risk findings to executive leadership
Director Of Risk Management Jobs in Utah: Frequently Asked Questions
How do you become a director of risk management in Utah?
Most Utah employers require a bachelor's degree in finance, business administration, or a related field, with a master's degree increasingly common at the director level. There is no state-issued license specific to this role in Utah, but professional credentials like the Certified Risk Manager or Professional Risk Manager designation carry significant weight with Utah hiring committees. Candidates typically build toward the director level through progressive roles in compliance, internal audit, or financial analysis.
How much do director of risk managements make in Utah?
Director of risk managements in Utah earn a median of about $77,770 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $57,250 for the lowest 10% to over $135,360 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire director of risk managements in Utah?
Utah director of risk management roles are posted by TAB Bank, BAE Systems USA, and CardWorks Financial and others right now, based on current listings on Migrate Mate as of August 2026. Utah's concentration of financial services firms, large regional healthcare systems, and insurance companies creates consistent year-round demand for experienced risk leaders.
Which Utah cities have the most director of risk management jobs?
Ogden, Sandy, and Clearfield account for the greatest share of director of risk management openings in Utah. Salt Lake City drives the bulk of demand through its dense cluster of financial institutions, healthcare headquarters, and technology firms, while Provo benefits from the growth of its fintech and insurance sectors and Ogden's openings are largely tied to regional healthcare and government-adjacent employers.
Are there remote director of risk management jobs in Utah?
Yes, and more than most senior roles, since much of the work involves analysis, reporting, and cross-functional collaboration that can be done off-site. About 100% of director of risk management openings tied to Utah are remote or hybrid as of August 2026, reflecting the desk-based nature of the function. Roles involving enterprise risk strategy and compliance oversight tend to offer the most remote flexibility, while positions requiring direct operational oversight are more likely to be on-site.
How can I get hired as a director of risk management in Utah with little or no experience?
The most realistic entry path is through an analyst or coordinator role in compliance, internal audit, or financial operations at a Utah bank, insurer, or health system, then building toward manager and director levels over time. Large Utah employers like Intermountain Health and Zions Bancorporation regularly bring on associates through structured rotational or analyst programs that expose candidates to enterprise risk functions early. Earning a Certified Risk Manager credential while in an adjacent role signals commitment and gives candidates a concrete edge when applying for their first director-level position.
Where can I find and apply to director of risk management jobs in Utah?
You can find and apply to director of risk management jobs in Utah on Migrate Mate, which lists current Utah openings across financial services, healthcare, technology, and other sectors. Find roles that fit your background and apply directly to the employers posting them.
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