WSECU Remote jobs - 145 jobs

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits? Our “people helping people” philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference. While we're proud of our history, we're even more excited about our future. With business and technology transformation on the horizon, there's never been a better time to be part of BECU. PAY RANGE The Target Pay Range for this position is $199,300.00-$243,800.00 annually. The full Pay Range is $155,200.00 - $288,000.00 annually. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. BENEFITS - because people helping people starts with supporting you 401(k) Company Match (up to 3%) 4% annual contribution to your 401(k) by BECU Medical, Dental and Vision (family contributions as well) PTO Program + Exchange Program Tuition Reimbursement Program BECU Cares volunteer time off + donation match To join our dynamic team, we require candidates to be residents of WA, OR, ID, AZ, TX, GA, NC, VA, CA, or SC. If you're located in Washington state and within a reasonable driving distance from Tukwila, we are requesting that you come into our HQ on Tuesdays & Wednesdays. For those candidates that live outside the commute distance of TFC and in any of our approved remote work locations, this role will be remote. Remote or onsite, we are committed to ensuring you are fully engaged and included in our collaborative environment. IMPACT YOU'LL MAKE As the Director of Enterprise Program & Project Management (EPMO), you'll shape BECU's success by leading a high-performing team of program and project managers. Your mission is to align people, processes, and tools to deliver strategic initiatives with excellence - on time and on budget. You'll bring executive presence, courage of leadership, and a sharp business lens to drive high-stakes programs across the enterprise. Whether it's navigating regulatory work, advancing Agile delivery, or holding stakeholders accountable, you'll be a key player in enabling transformation and building operational excellence. WHAT YOU'LL DO Lead a High-Performing Team: Inspire, coach, and develop a team of Program and Project Managers delivering high-impact, enterprise-wide initiatives. Oversee Complex Programs: Direct the delivery of projects that span multiple business lines, ensuring outcomes are timely, scoped, and financially sound. Budget & Financial Stewardship: Manage project and program budgets, ensuring financial reconciliation and accuracy. Scope and Plan Delivery: Partner with Technology and business leaders to define requirements, build project plans, and align resources. Advance Frameworks & Practices: Drive maturity of Agile, Waterfall, and hybrid delivery models in collaboration with the Enterprise Agility team. Provide Executive-Level Reporting: Keep leaders informed with actionable insights on project risks, progress, and strategic alignment. Navigate Risks & Roadblocks: Lead the issue resolution process and influence executive stakeholders when pivots are . Champion Change Management: Oversee organizational change tied to EPMO initiatives, processes, and standards. Uplift Team Culture & Performance: Mentor and support staff, conduct timely performance evaluations, and foster a learning environment. This isn't just about ticking off tasks on a list. It's about making a significant, positive change in BECU's journey, where your contributions are valued, and your growth is continually fostered. WHAT YOU'LL GAIN A high-visibility leadership role driving critical enterprise-wide transformation Opportunities to lead strategic programs that directly impact member experience Exposure to senior leadership and cross-functional stakeholders A voice in shaping the future of Agile and delivery practices at BECU A collaborative, inclusive culture that supports growth and bold thinking QUALIFICATIONS Minimum Qualifications Bachelor's degree in business, computer science, or related field-or equivalent. Minimum 8 years of progressive leadership experience in program, project, or portfolio management, including at least 5 years managing people and building high-performing teams. Strong executive presence with proven ability to influence and redirect senior leaders when needed. Understanding of software development processes with hands-on experience in Waterfall, Scrum, and project management methodologies. Demonstrated expertise in Agile principles, along with demonstrated success in both short-range (1 year) and long-range (3-5 year) strategic planning. Demonstrated success in delivering high-stakes product or program initiatives. Excellent analytical, verbal, and written communication skills with the ability to dive deep into complex information and convey it clearly to diverse audiences; demonstrates a bias for action and earns trust through clear, effective communication. Desired Qualifications Advanced degree. FI experience preferred: banks, service provider, or credit union. Project Management Professional (PMP) certification. JOIN THE JOURNEY Ready to make an indelible impact? Eager to be part of a collaborative and innovative team where your ideas and contributions don't just fill a role but fuel the growth and success of BECU? This is more than a job - it's a chance to elevate your career, skills, and future, all while contributing to the robust operational landscape of BECU. Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let's achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney EEO Statement: BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits? Our “people helping people” philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference. While we're proud of our history, we're even more excited about our future. With business and technology transformation on the horizon, there's never been a better time to be part of BECU. PAY RANGE The Target Pay Range for this position is $194,400.00-$237,800.00 annually. The full Pay Range is $151,400.00 - $280,900.00 annually. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. BENEFITS - because people helping people starts with supporting you 401(k) Company Match (up to 3%) 4% annual contribution to your 401(k) by BECU Medical, Dental and Vision (family contributions as well) PTO Program + Exchange Program Tuition Reimbursement Program BECU Cares volunteer time off + donation match IMPACT YOU'LL MAKE: As the Director Credit Risk Officer, you'll be the strategic leader shaping BECU's credit risk landscape specific to Loss Mitigation. Your expertise will guide the development and execution of full lifecycle credit risk strategies across diverse portfolios-Mortgage, Home Equity, Credit Card, Auto, Consumer Lending, Small and Medium Business, and Deposits. You'll ensure that every decision aligns with our governance standards, internal lending policies, and regulatory compliance, all while maintaining an acceptable level of risk. Your leadership will empower your team, influence senior executives, and drive initiatives that protect and grow BECU's financial health. This is your chance to make a measurable impact on our members, our organization, and your career. To join our dynamic team in this role, we require candidates to be residents of WA, OR, ID, CA, AZ, TX, NC, SC, GA or VA. If you're located in Washington state and within a reasonable driving distance to our Tukwila Headquarters (TFC), we encourage you come into the office on Tuesdays & Wednesdays each week. For those candidates that live outside the commutable distance to TFC and in any of our approved remote work locations, this role will be primarily remote. Remote or onsite, we are committed to ensuring you are fully engaged and included in our collaborative environment. WHAT YOU'LL DO: Shape Credit Risk Strategy: Partner with the Chief Credit Officer and business leaders to design strategies that align with BECU's risk appetite, portfolio goals, and performance expectations. Monitor and Analyze Performance: Conduct deep-dive portfolio analyses, identify emerging risks, and present actionable insights to executive committees and the Board. Drive Risk Appetite Initiatives: Lead changes to risk appetite through credit risk programs, origination strategies, account management, collections, and loss mitigation standards. Develop Policies and Standards: Create and refine credit risk policies and guidelines using data-driven insights and industry best practices, securing stakeholder approval. Innovate and Optimize Processes: Enhance credit campaigns, decision engines, and risk-related procedures to improve efficiency and member experience. Stay Ahead of Trends: Monitor economic and industry developments to proactively adjust strategies and maintain portfolio strength. Ensure Regulatory Compliance: Maintain strong communication with auditors and regulators, ensuring timely responses and adherence to federal and state requirements. Lead and Inspire Your Team: Coach, mentor, and develop Credit Risk Officers and Analysts, fostering a culture of collaboration and excellence. Set Goals and Evaluate Performance: Establish clear objectives, conduct evaluations, and support professional growth using BECU's competency framework. Champion Cross-Functional Collaboration: Build strong partnerships across departments to ensure alignment and success in risk management initiatives. This isn't just about ticking off tasks on a list. It's about making a significant, positive change in BECU's journey, where your contributions are valued, and your growth is continually fostered. WHAT YOU'LL GAIN: A leadership role with impact, influencing strategic decisions and organizational success. Opportunities for professional growth through leadership development and advanced training. A collaborative, innovative culture that values your ideas and expertise. Competitive compensation and benefits designed to support your well-being and future. The chance to shape the future of credit risk management in a member-focused organization. QUALIFICATIONS: Minimum Qualifications: Bachelor's degree in business, finance, mathematics, or economics or equivalent work or education experience. Typically requires 10 years of relevant credit risk management experience. Typically requires 6 years of experience in the financial industries with a focus on Collections and Loss Mitigation. Typically requires 5 years of people management experience. Desired Qualifications: Graduate degree preferred. Experience with presentation development software (ex. Tableau, PowerPoint). Experience developing credit risk policies and system decision logic leveraging data and statistical analysis. Demonstrable knowledge of credit risk scorecards and models; as well as the evaluation of such tools to determine appropriate usage and thresholds. Proven ability to perform analysis of portfolio performance and articulate results and desired outcomes from a risk management perspective. Proven ability to collect pertinent data, establish facts and draw valid conclusions as well as formulate ideas and recommendations. Proven ability to participate and manage multiple projects simultaneously, including the establishment of objectives and milestones, time management, and communication of successes and obstructions. Proven ability to build cohesive cross-functional teams and facilitate collaborative decision making. Ability to maintain flexibility and adaptability for departmental and Credit Union changes. JOIN THE JOURNEY: Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don't just fill a role, but fuel the growth and success of BECU? This is more than a job - it's a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU. Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let's achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney EEO Statement: BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits? Our “people helping people” philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference. While we're proud of our history, we're even more excited about our future. With business and technology transformation on the horizon, there's never been a better time to be part of BECU. PAY RANGE The Target Pay Range for this position is $26.35-$32.12 hourly. The full Pay Range is $21.65-$38.03 hourly. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. hourly. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. BENEFITS - because people helping people starts with supporting you 401(k) Company Match (up to 3%) 4% annual contribution to your 401(k) by BECU Medical, Dental and Vision (family contributions as well) PTO Program + Exchange Program Tuition Reimbursement Program BECU Cares volunteer time off + donation match IMPACT YOU'LL MAKE: As a Consumer Loan Processor, you'll be at the heart of helping members achieve their financial goals. You'll use your expertise to guide loans smoothly from application to funding-ensuring every detail is accurate, compliant, and aligned with the high‑quality service BECU is known for. Your role empowers you to deliver meaningful support, remove barriers for members, and create a lending experience that feels seamless, efficient, and human. Your knowledge, attention to detail, and dedication to service will directly shape how members experience BECU. **Note: This role is hybrid and requires 3 days onsite at Tukwila, WA office. WHAT YOU'LL DO:Lending Expertise & Compliance: Use your thorough understanding of loan policies, lending practices, and regulatory requirements to ensure every loan is processed accurately and in compliance. Underwriting Coordination: Partner with members, branch teams, and underwriters to clear underwriting conditions and help secure timely final approvals. Application Validation: Review loan applications to make sure they're complete, properly scored in the Loan Origination System, and fully accurate before closing. Vendor Collaboration: Work professionally with external vendors to resolve collateral conditions and keep loan applications moving forward. Document Review & Analysis: Evaluate income verification, insurance documents, titles, purchase orders, and other materials to determine creditworthiness and collateral acceptability. Loan Funding & Closing Preparation: Complete funding and disbursements while preparing all necessary loan documents for member signatures. Queue & Inbox Management: Monitor multiple processing queues and email inboxes to maintain service-level standards and ensure timely follow‑up. Multi‑Loan Workflow Handling: Manage several loans simultaneously in a fast‑paced environment, while responding to calls and questions with confidence. Member & Partner Communication: Communicate with members, Marine Title companies, and dealers to finalize terms and schedule signing appointments. Post‑Closing Review: Confirm that all documents are executed correctly and closing conditions are satisfied after loan completion. Pricing & Product Knowledge: Maintain comprehensive knowledge of BECU's loan products, pricing structures, forms, and required documentation. Quality Control & Risk Management: Ensure all documentation is complete, collateral is properly secured, and loans meet BECU's standards and best interests. Loan Product Assessment: Evaluate BECU loan products to provide appropriate alternatives that best meet member needs. Member Experience Advocacy: Deliver prompt, professional, and courteous service-resolving concerns with empathy and thoughtful follow‑through. Cross‑Department Insight: Understand how Credit Union departments work together to support the Consumer Loan process. Other Duties as Assigned: Adapt to evolving needs and support additional responsibilities as required. This isn't just about ticking off tasks on a list. It's about making a significant, positive change in BECU's journey, where your contributions are valued, and your growth is continually fostered. WHAT YOU'LL GAIN: A Chance to Be a Trusted Guide: You'll help members access the resources they need to achieve important life goals. A Role for Critical Thinkers: If you enjoy digging into details, solving problems, and keeping processes on track, you'll thrive here. Growth Through Mastery: You'll build deep knowledge of consumer lending, compliance, and financial products. Impact You Can See: Your work directly influences member satisfaction and financial well‑being. A Supportive, Collaborative Culture: You'll partner with teams across BECU and work in an environment that values respect, inclusiveness, and integrity. Skill Development & Career Pathing: You'll strengthen communication, analysis, and relationship‑management skills-opening doors for advancement. Stability & Purpose: You're part of a mission‑driven organization that puts people over profit. QUALIFICATIONS:Minimum Qualifications: Associate's degree in Business, or equivalent work or educational experience required. Typically one year experience in Consumer Lending required. PC skills, with the ability to learn new software. Math and basic accounting skills Full-time hours required, with additional hours as necessary Desired Qualifications: Bachelors degree preferred. Verbal and written skills to effectively communicate and provide customer service. Organizational skills, with the ability to handle multiple tasks by prioritizing job responsibilities. Thorough knowledge of all RESPA, HMDA, Fair Lending, and ECOA rules and regulations. JOIN THE JOURNEY Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don't just fill a role, but fuel the growth and success of BECU? This is more than a job - it's a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU. Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let's achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney EEO Statement: BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits? Our “people helping people” philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference. While we're proud of our history, we're even more excited about our future. With business and technology transformation on the horizon, there's never been a better time to be part of BECU. PAY RANGE The Target Pay Range for this position is $189,000.00-$230,700.00 annually. The full Pay Range is $146,600.00 - $273,000.00 annually. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. BENEFITS - because people helping people starts with supporting you 401(k) Company Match (up to 3%) 4% annual contribution to your 401(k) by BECU Medical, Dental and Vision (family contributions as well) PTO Program + Exchange Program Tuition Reimbursement Program BECU Cares volunteer time off + donation match To join our dynamic team, we require candidates to be residents of WA, OR, ID, AZ, TX, GA, SC, NC, CA, or VA. If you're located in Washington state and within a reasonable driving distance from Tukwila, we are requesting that you come into our HQ on Tuesdays & Wednesdays. For those candidates that live outside the commute distance of TFC and in any of our approved remote work locations, this role will be remote. Remote or onsite, we are committed to ensuring you are fully engaged and included in our collaborative environment. IMPACT YOU'LL MAKE At BECU, strategy isn't an abstract exercise - it's how we fulfill our mission to improve our members' financial well-being. As our Enterprise Strategy Director, you'll take on meaningful, complex challenges that shape the future of a purpose-driven financial cooperative. You'll lead high-impact initiatives across the enterprise, influence our most senior leaders, and solve strategic problems that require both analytical rigor and creativity. This role offers the best of strategy consulting - intellectually rich work, real strategic challenges, executive visibility, and big-picture impact - but in a setting where you can own the outcomes, see the results of your work, and enjoy a better work-life balance. If you're passionate about solving hard problems, influencing at the highest levels, and driving meaningful change, this is your opportunity. WHAT YOU'LL DO Drive High-Impact Strategy Projects: Partner across the organization on enterprise-wide initiatives like AI strategy, retail/branch strategy, and long-term growth planning. CEO and Board Engagement: Partner closely with EMT and CEO to communicate key aspects of BECU strategy and story to the Board of Directors. Support Executive Decision-Making: Design and lead Monthly Business Reviews (MBRs) and strategic sessions with the CEO and Executive Management Team (EMT), delivering clear, data-informed recommendations. Lead Enterprise Planning: Own the development and execution of our enterprise strategic planning cycles - including 5-year strategic planning and annual planning. Deliver Executive Storytelling: Use your deep PowerPoint skills to craft visual narratives that help senior leaders make confident, informed decisions. Act as a Thought Partner: Serve as a trusted internal consultant, helping business leaders frame problems, structure solutions, and move strategic ideas into action. Lead and Influence Across Functions: Build alignment with cross-functional partners, guide them through complex challenges, and keep key initiatives moving forward. Work Independently, Lead Confidently: This is a high-trust, high-autonomy environment. You'll have support - but you'll be expected to lead your work, drive results, and bring others with you. This isn't just about ticking off tasks on a list. It's about making a significant, positive change in BECU's journey, where your contributions are valued, and your growth is continually fostered. WHAT YOU'LL GAIN A driver's seat for strategic decision-making at the enterprise level. Exposure to our Board, Executive Management Team, and key enterprise priorities. Part of a small, high-impact team that drives visible change across the credit union. Opportunities to stretch your leadership, influence, and analytical storytelling. A purpose-driven culture that values learning, growth, and innovation. QUALIFICATIONS Minimum Qualifications Bachelor's Degree and/or equivalent experience required. Minimum 10 years of experience in strategy development and/or strategic planning, including the ability to synthesize complex data into actionable strategy, operate independently, and influence executive leaders. Deep relationship-building skills and experience partnering with business and functional leaders. Strong analytical, conceptual, and problem-solving skills - with the ability to structure ambiguity and move complex projects forward. Demonstrated leadership of cross-functional initiatives in fast-paced, dynamic environments. Proven PowerPoint and visual storytelling skills for executive audiences. Desired Qualifications Advanced degree preferred. Experience in financial services. Experience in strategy consulting at the EM / PL level or above OR a strategy role in a financial institution at the Director-level or above. JOIN THE JOURNEY Ready to make an indelible impact? Eager to be part of a collaborative and innovative team where your ideas and contributions don't just fill a role but fuel the growth and success of BECU? This is more than a job - it's a chance to elevate your career, skills, and future, all while contributing to the robust operational landscape of BECU. Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let's achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney EEO Statement: BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.

**Duties and Responsibilities:** **NETWORK MANAGEMENT** - Serve as the primary operational point of contact for Visa, Mastercard, Pulse, Interlink, and any additional card networks. - Monitor and interpret network operating rules, mandates, releases, and new requirements; assist operations with requirements for implementation or compliance - Manage network certifications, test cycles, and compliance timelines. - Manage escalations related to Network issues, outages, or defects. **PROCESSOR MANAGEMENT** - Participate in the management of relationships with card processors including TSYS, FIS, Fiserv, EML, and others. - Partner with processors to ensure successful network setup of card products, feature enhancements, fraud tools, and digital services. **BIN & BIN RANGE GOVERNANCE** - Own lifecycle management of all BINs and BIN ranges across product lines. - Maintain the master BIN inventory including ownership, usage, tokenization eligibility, routing, and digital wallet enablement. - Submit and manage network requests for BIN expansions, tokenization mapping, 3DS setup, routing changes, and portfolio migrations. - Monitor and help manage BIN setup within processors, networks, risk tools, and internal systems. **TOKENIZATION & DIGITAL WALLETS** - Oversee token BIN mapping, eligibility, and routing. - Monitor and report network performance, i.e. decline trends, and provisioning issues. **OPERATIONAL CONTROLS** - Ensure changes follow internal control standards and validation steps. - Maintain documentation, workflows, and operational process maps. - Support audits and regulatory exams. **PROJECT & PORTFOLIO COORDINATION** - Lead network and processor initiatives including new products, migrations, certifications, and updates. - Partner cross-functionally with internal departments. - Monitor milestones and produce KPI reporting. **VENDOR RELATIONSHIP MANAGEMENT** - Maintain strong relationships with networks and processors. - Participate in business reviews and roadmap planning. - Ensure network compliance with service expectations. **Knowledge and Skills:** - Strong attention to detail - Strategic thinker - Ability to manage multiple complex streams - Collaboration and relationship management - High accountability and ownership **Requirements:** - 7+ years card issuing, card operations, or network/processor experience. - In-depth knowledge of Visa, Mastercard, Pulse, Interlink, and other network rules. - Experience with TSYS, FIS, Fiserv, EML, or similar processors. - Strong understanding of BIN management, tokenization, and digital wallets. - Knowledge of operational risk, change management, and issue management. - Strong communication, analytical, and problem-solving skills. **PREFERRED** - Experience in network program management or processor migrations. - Experience with 3DS, EMV, fraud tools, and routing. - Project leadership experience. **Work environment: Typical Office environment** Deadline to Apply: March 12, 2026 **Compensation Range:** $69,230.00 - $149,000.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB

**Duties and Responsibilities:** **NETWORK MANAGEMENT** - Serve as the primary operational point of contact for Visa, Mastercard, Pulse, Interlink, and any additional card networks. - Monitor and interpret network operating rules, mandates, releases, and new requirements; assist operations with requirements for implementation or compliance - Manage network certifications, test cycles, and compliance timelines. - Manage escalations related to Network issues, outages, or defects. **PROCESSOR MANAGEMENT** - Participate in the management of relationships with card processors including TSYS, FIS, Fiserv, EML, and others. - Partner with processors to ensure successful network setup of card products, feature enhancements, fraud tools, and digital services. **BIN & BIN RANGE GOVERNANCE** - Own lifecycle management of all BINs and BIN ranges across product lines. - Maintain the master BIN inventory including ownership, usage, tokenization eligibility, routing, and digital wallet enablement. - Submit and manage network requests for BIN expansions, tokenization mapping, 3DS setup, routing changes, and portfolio migrations. - Monitor and help manage BIN setup within processors, networks, risk tools, and internal systems. **TOKENIZATION & DIGITAL WALLETS** - Oversee token BIN mapping, eligibility, and routing. - Monitor and report network performance, i.e. decline trends, and provisioning issues. **OPERATIONAL CONTROLS** - Ensure changes follow internal control standards and validation steps. - Maintain documentation, workflows, and operational process maps. - Support audits and regulatory exams. **PROJECT & PORTFOLIO COORDINATION** - Lead network and processor initiatives including new products, migrations, certifications, and updates. - Partner cross-functionally with internal departments. - Monitor milestones and produce KPI reporting. **VENDOR RELATIONSHIP MANAGEMENT** - Maintain strong relationships with networks and processors. - Participate in business reviews and roadmap planning. - Ensure network compliance with service expectations. **Knowledge and Skills:** - Strong attention to detail - Strategic thinker - Ability to manage multiple complex streams - Collaboration and relationship management - High accountability and ownership **Requirements:** - 7+ years card issuing, card operations, or network/processor experience. - In-depth knowledge of Visa, Mastercard, Pulse, Interlink, and other network rules. - Experience with TSYS, FIS, Fiserv, EML, or similar processors. - Strong understanding of BIN management, tokenization, and digital wallets. - Knowledge of operational risk, change management, and issue management. - Strong communication, analytical, and problem-solving skills. **PREFERRED** - Experience in network program management or processor migrations. - Experience with 3DS, EMV, fraud tools, and routing. - Project leadership experience. **Work environment: Typical Office environment** Deadline to Apply: March 12, 2026 **Compensation Range:** $69,230.00 - $149,000.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits? Our “people helping people” philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference. While we're proud of our history, we're even more excited about our future. With business and technology transformation on the horizon, there's never been a better time to be part of BECU. PAY RANGE The Target Pay Range for this position is $141,800.00-$173,300.00 annually. The full Pay Range is $107,400.00 - $199,900.00 annually. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. BENEFITS - because people helping people starts with supporting you 401(k) Company Match (up to 3%) 4% annual contribution to your 401(k) by BECU Medical, Dental and Vision (family contributions as well) PTO Program + Exchange Program Tuition Reimbursement Program BECU Cares volunteer time off + donation match IMPACT YOU'LL MAKE: As a Statistical Modeling Manager - Credit Risk at BECU, you'll be at the forefront of data-driven decision-making that directly supports the financial well-being of our members. You'll lead the development and oversight of advanced credit risk models that shape how we approach Economic Capital, loan loss forecasting, account management, collections, capital planning, and stress testing. Your deep understanding of statistical theory and hands-on experience with large datasets will help BECU build stronger, smarter, and more resilient credit strategies. You'll influence key business decisions while partnering across teams to ensure that every model you manage translates into actionable insights. Here, your expertise won't just power risk strategies-it will strengthen the financial future of the people and communities we serve. To join our dynamic team in this role, we require candidates to be residents of WA, OR, ID, CA, AZ, TX, GA, SC, NC, and VA. If you're located in Washington state and within a reasonable driving distance to our Tukwila Headquarters (TFC), we encourage you come into the office on Tuesdays & Wednesdays each week. For those candidates that live outside the commutable distance to TFC and in any of our approved remote work locations, this role will be primarily remote. Remote or onsite, we are committed to ensuring you are fully engaged and included in our collaborative environment. WHAT YOU'LL DO: Lead Model Development: Design, develop, and recalibrate statistical credit risk models-ranging from credit decision scorecards to Basel IRB models like PD, LGD, and EAD-using leading statistical software and programming tools. Champion Data Integrity: Gather, validate, and refine large datasets to ensure models are built on reliable, usable data-and apply advanced treatment techniques where needed. Implement with Precision: Manage systems testing and data readiness to support accurate and efficient model implementation. Evaluate and Enhance Models: Conduct ongoing performance assessments and annual reviews to identify enhancements and improve model accuracy using cutting-edge statistical methods. Drive Business Alignment: Partner with business and product teams to explain model outcomes, guide risk-reward strategies, and ensure alignment between statistical insights and business objectives. Maximize Analytic Impact: Provide advanced analytics in support of credit risk strategy, including capital planning, portfolio mix management, and loss forecasting-applying tools like SAS, SQL, and other statistical platforms. Standardize Model Governance: Develop and maintain risk modeling procedures and documentation to support consistency, auditability, and stakeholder transparency. Translate Insights: Present model results and recommendations clearly to both technical and non-technical stakeholders, supporting enterprise-wide understanding and action. Stay Ahead of the Curve: Maintain up-to-date knowledge of credit portfolios, regulatory requirements, and industry trends to drive continuous improvement in modeling practices. Deliver Cross-Functional Support: Respond to data requests, manage testing environments, and ensure model outputs are leveraged effectively across teams. Ensure Thorough Documentation: Maintain detailed records, including model development logs, version controls, and validation documentation for regulatory and business needs. Contribute Beyond the Role: Take on additional responsibilities and special projects that support BECU's mission and modeling excellence. This isn't just about ticking off tasks on a list. It's about making a significant, positive change in BECU's journey, where your contributions are valued, and your growth is continually fostered. QUALIFICATIONS: Minimum Qualifications: Master's degree or foreign equivalent in a quantitative discipline such as statistics, math, finance, or economics. Minimum 7 years of functional experience in credit risk modeling. Desired Qualifications: Sound knowledge of statistical modeling concepts including logistic regression, survival analysis, Markov chain analysis and time series. Knowledge of artificial intelligence (AI) and machine learning (ML) tools. Knowledge of three or more of the following statistical analytical packages: SAS, Python, SQL and R. Experience in verbal and written communication of complex statistical insights. Experience with loss forecasting, default management and credit risk modeling, reporting and analytics. Experience with Basel Regulatory framework, Comprehensive Capital Analysis Review (CCAR), Dodd-Frank Act Stress Testing (DFAST). Credit Risk modeling experience in real estate secured loan products (i.e., mortgage, home equity), auto, credit card, Consumer and/or commercial loan products. JOIN THE JOURNEY: Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don't just fill a role, but fuel the growth and success of BECU? This is more than a job - it's a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU. Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let's achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney EEO Statement: BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits? Our “people helping people” philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference. While we're proud of our history, we're even more excited about our future. With business and technology transformation on the horizon, there's never been a better time to be part of BECU. PAY RANGE The Target Pay Range for this position is $194,400.00-$237,800.00 annually. The full Pay Range is $151,400.00 - $280,900.00 annually. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. BENEFITS - because people helping people starts with supporting you 401(k) Company Match (up to 3%) 4% annual contribution to your 401(k) by BECU Medical, Dental and Vision (family contributions as well) PTO Program + Exchange Program Tuition Reimbursement Program BECU Cares volunteer time off + donation match IMPACT YOU'LL MAKE: As the Director Credit Risk Officer, you'll be the strategic leader shaping BECU's credit risk landscape specific to Loss Mitigation. Your expertise will guide the development and execution of full lifecycle credit risk strategies across diverse portfolios-Mortgage, Home Equity, Credit Card, Auto, Consumer Lending, Small and Medium Business, and Deposits. You'll ensure that every decision aligns with our governance standards, internal lending policies, and regulatory compliance, all while maintaining an acceptable level of risk. Your leadership will empower your team, influence senior executives, and drive initiatives that protect and grow BECU's financial health. This is your chance to make a measurable impact on our members, our organization, and your career. To join our dynamic team in this role, we require candidates to be residents of WA, OR, ID, CA, AZ, TX, NC, SC, GA or VA. If you're located in Washington state and within a reasonable driving distance to our Tukwila Headquarters (TFC), we encourage you come into the office on Tuesdays & Wednesdays each week. For those candidates that live outside the commutable distance to TFC and in any of our approved remote work locations, this role will be primarily remote. Remote or onsite, we are committed to ensuring you are fully engaged and included in our collaborative environment. WHAT YOU'LL DO: Shape Credit Risk Strategy: Partner with the Chief Credit Officer and business leaders to design strategies that align with BECU's risk appetite, portfolio goals, and performance expectations. Monitor and Analyze Performance: Conduct deep-dive portfolio analyses, identify emerging risks, and present actionable insights to executive committees and the Board. Drive Risk Appetite Initiatives: Lead changes to risk appetite through credit risk programs, origination strategies, account management, collections, and loss mitigation standards. Develop Policies and Standards: Create and refine credit risk policies and guidelines using data-driven insights and industry best practices, securing stakeholder approval. Innovate and Optimize Processes: Enhance credit campaigns, decision engines, and risk-related procedures to improve efficiency and member experience. Stay Ahead of Trends: Monitor economic and industry developments to proactively adjust strategies and maintain portfolio strength. Ensure Regulatory Compliance: Maintain strong communication with auditors and regulators, ensuring timely responses and adherence to federal and state requirements. Lead and Inspire Your Team: Coach, mentor, and develop Credit Risk Officers and Analysts, fostering a culture of collaboration and excellence. Set Goals and Evaluate Performance: Establish clear objectives, conduct evaluations, and support professional growth using BECU's competency framework. Champion Cross-Functional Collaboration: Build strong partnerships across departments to ensure alignment and success in risk management initiatives. This isn't just about ticking off tasks on a list. It's about making a significant, positive change in BECU's journey, where your contributions are valued, and your growth is continually fostered. WHAT YOU'LL GAIN: A leadership role with impact, influencing strategic decisions and organizational success. Opportunities for professional growth through leadership development and advanced training. A collaborative, innovative culture that values your ideas and expertise. Competitive compensation and benefits designed to support your well-being and future. The chance to shape the future of credit risk management in a member-focused organization. QUALIFICATIONS: Minimum Qualifications: Bachelor's degree in business, finance, mathematics, or economics or equivalent work or education experience. Typically requires 10 years of relevant credit risk management experience. Typically requires 6 years of experience in the financial industries with a focus on Collections and Loss Mitigation. Typically requires 5 years of people management experience. Desired Qualifications: Graduate degree preferred. Experience with presentation development software (ex. Tableau, PowerPoint). Experience developing credit risk policies and system decision logic leveraging data and statistical analysis. Demonstrable knowledge of credit risk scorecards and models; as well as the evaluation of such tools to determine appropriate usage and thresholds. Proven ability to perform analysis of portfolio performance and articulate results and desired outcomes from a risk management perspective. Proven ability to collect pertinent data, establish facts and draw valid conclusions as well as formulate ideas and recommendations. Proven ability to participate and manage multiple projects simultaneously, including the establishment of objectives and milestones, time management, and communication of successes and obstructions. Proven ability to build cohesive cross-functional teams and facilitate collaborative decision making. Ability to maintain flexibility and adaptability for departmental and Credit Union changes. JOIN THE JOURNEY: Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don't just fill a role, but fuel the growth and success of BECU? This is more than a job - it's a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU. Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let's achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney EEO Statement: BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.

**Duties and Responsibilities:** **NETWORK MANAGEMENT** - Serve as the primary operational point of contact for Visa, Mastercard, Pulse, Interlink, and any additional card networks. - Monitor and interpret network operating rules, mandates, releases, and new requirements; assist operations with requirements for implementation or compliance - Manage network certifications, test cycles, and compliance timelines. - Manage escalations related to Network issues, outages, or defects. **PROCESSOR MANAGEMENT** - Participate in the management of relationships with card processors including TSYS, FIS, Fiserv, EML, and others. - Partner with processors to ensure successful network setup of card products, feature enhancements, fraud tools, and digital services. **BIN & BIN RANGE GOVERNANCE** - Own lifecycle management of all BINs and BIN ranges across product lines. - Maintain the master BIN inventory including ownership, usage, tokenization eligibility, routing, and digital wallet enablement. - Submit and manage network requests for BIN expansions, tokenization mapping, 3DS setup, routing changes, and portfolio migrations. - Monitor and help manage BIN setup within processors, networks, risk tools, and internal systems. **TOKENIZATION & DIGITAL WALLETS** - Oversee token BIN mapping, eligibility, and routing. - Monitor and report network performance, i.e. decline trends, and provisioning issues. **OPERATIONAL CONTROLS** - Ensure changes follow internal control standards and validation steps. - Maintain documentation, workflows, and operational process maps. - Support audits and regulatory exams. **PROJECT & PORTFOLIO COORDINATION** - Lead network and processor initiatives including new products, migrations, certifications, and updates. - Partner cross-functionally with internal departments. - Monitor milestones and produce KPI reporting. **VENDOR RELATIONSHIP MANAGEMENT** - Maintain strong relationships with networks and processors. - Participate in business reviews and roadmap planning. - Ensure network compliance with service expectations. **Knowledge and Skills:** - Strong attention to detail - Strategic thinker - Ability to manage multiple complex streams - Collaboration and relationship management - High accountability and ownership **Requirements:** - 7+ years card issuing, card operations, or network/processor experience. - In-depth knowledge of Visa, Mastercard, Pulse, Interlink, and other network rules. - Experience with TSYS, FIS, Fiserv, EML, or similar processors. - Strong understanding of BIN management, tokenization, and digital wallets. - Knowledge of operational risk, change management, and issue management. - Strong communication, analytical, and problem-solving skills. **PREFERRED** - Experience in network program management or processor migrations. - Experience with 3DS, EMV, fraud tools, and routing. - Project leadership experience. **Work environment: Typical Office environment** Deadline to Apply: March 12, 2026 **Compensation Range:** $69,230.00 - $149,000.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits? Our “people helping people” philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference. While we're proud of our history, we're even more excited about our future. With business and technology transformation on the horizon, there's never been a better time to be part of BECU. PAY RANGE The Target Pay Range for this position is $141,800.00-$173,300.00 annually. The full Pay Range is $107,400.00 - $199,900.00 annually. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. BENEFITS - because people helping people starts with supporting you 401(k) Company Match (up to 3%) 4% annual contribution to your 401(k) by BECU Medical, Dental and Vision (family contributions as well) PTO Program + Exchange Program Tuition Reimbursement Program BECU Cares volunteer time off + donation match IMPACT YOU'LL MAKE: As a Statistical Modeling Manager - Credit Risk at BECU, you'll be at the forefront of data-driven decision-making that directly supports the financial well-being of our members. You'll lead the development and oversight of advanced credit risk models that shape how we approach Economic Capital, loan loss forecasting, account management, collections, capital planning, and stress testing. Your deep understanding of statistical theory and hands-on experience with large datasets will help BECU build stronger, smarter, and more resilient credit strategies. You'll influence key business decisions while partnering across teams to ensure that every model you manage translates into actionable insights. Here, your expertise won't just power risk strategies-it will strengthen the financial future of the people and communities we serve. To join our dynamic team in this role, we require candidates to be residents of WA, OR, ID, CA, AZ, TX, GA, SC, NC, and VA. If you're located in Washington state and within a reasonable driving distance to our Tukwila Headquarters (TFC), we encourage you come into the office on Tuesdays & Wednesdays each week. For those candidates that live outside the commutable distance to TFC and in any of our approved remote work locations, this role will be primarily remote. Remote or onsite, we are committed to ensuring you are fully engaged and included in our collaborative environment. WHAT YOU'LL DO: Lead Model Development: Design, develop, and recalibrate statistical credit risk models-ranging from credit decision scorecards to Basel IRB models like PD, LGD, and EAD-using leading statistical software and programming tools. Champion Data Integrity: Gather, validate, and refine large datasets to ensure models are built on reliable, usable data-and apply advanced treatment techniques where needed. Implement with Precision: Manage systems testing and data readiness to support accurate and efficient model implementation. Evaluate and Enhance Models: Conduct ongoing performance assessments and annual reviews to identify enhancements and improve model accuracy using cutting-edge statistical methods. Drive Business Alignment: Partner with business and product teams to explain model outcomes, guide risk-reward strategies, and ensure alignment between statistical insights and business objectives. Maximize Analytic Impact: Provide advanced analytics in support of credit risk strategy, including capital planning, portfolio mix management, and loss forecasting-applying tools like SAS, SQL, and other statistical platforms. Standardize Model Governance: Develop and maintain risk modeling procedures and documentation to support consistency, auditability, and stakeholder transparency. Translate Insights: Present model results and recommendations clearly to both technical and non-technical stakeholders, supporting enterprise-wide understanding and action. Stay Ahead of the Curve: Maintain up-to-date knowledge of credit portfolios, regulatory requirements, and industry trends to drive continuous improvement in modeling practices. Deliver Cross-Functional Support: Respond to data requests, manage testing environments, and ensure model outputs are leveraged effectively across teams. Ensure Thorough Documentation: Maintain detailed records, including model development logs, version controls, and validation documentation for regulatory and business needs. Contribute Beyond the Role: Take on additional responsibilities and special projects that support BECU's mission and modeling excellence. This isn't just about ticking off tasks on a list. It's about making a significant, positive change in BECU's journey, where your contributions are valued, and your growth is continually fostered. QUALIFICATIONS: Minimum Qualifications: Master's degree or foreign equivalent in a quantitative discipline such as statistics, math, finance, or economics. Minimum 7 years of functional experience in credit risk modeling. Desired Qualifications: Sound knowledge of statistical modeling concepts including logistic regression, survival analysis, Markov chain analysis and time series. Knowledge of artificial intelligence (AI) and machine learning (ML) tools. Knowledge of three or more of the following statistical analytical packages: SAS, Python, SQL and R. Experience in verbal and written communication of complex statistical insights. Experience with loss forecasting, default management and credit risk modeling, reporting and analytics. Experience with Basel Regulatory framework, Comprehensive Capital Analysis Review (CCAR), Dodd-Frank Act Stress Testing (DFAST). Credit Risk modeling experience in real estate secured loan products (i.e., mortgage, home equity), auto, credit card, Consumer and/or commercial loan products. JOIN THE JOURNEY: Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don't just fill a role, but fuel the growth and success of BECU? This is more than a job - it's a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU. Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let's achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney EEO Statement: BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.

**Duties and Responsibilities:** **NETWORK MANAGEMENT** - Serve as the primary operational point of contact for Visa, Mastercard, Pulse, Interlink, and any additional card networks. - Monitor and interpret network operating rules, mandates, releases, and new requirements; assist operations with requirements for implementation or compliance - Manage network certifications, test cycles, and compliance timelines. - Manage escalations related to Network issues, outages, or defects. **PROCESSOR MANAGEMENT** - Participate in the management of relationships with card processors including TSYS, FIS, Fiserv, EML, and others. - Partner with processors to ensure successful network setup of card products, feature enhancements, fraud tools, and digital services. **BIN & BIN RANGE GOVERNANCE** - Own lifecycle management of all BINs and BIN ranges across product lines. - Maintain the master BIN inventory including ownership, usage, tokenization eligibility, routing, and digital wallet enablement. - Submit and manage network requests for BIN expansions, tokenization mapping, 3DS setup, routing changes, and portfolio migrations. - Monitor and help manage BIN setup within processors, networks, risk tools, and internal systems. **TOKENIZATION & DIGITAL WALLETS** - Oversee token BIN mapping, eligibility, and routing. - Monitor and report network performance, i.e. decline trends, and provisioning issues. **OPERATIONAL CONTROLS** - Ensure changes follow internal control standards and validation steps. - Maintain documentation, workflows, and operational process maps. - Support audits and regulatory exams. **PROJECT & PORTFOLIO COORDINATION** - Lead network and processor initiatives including new products, migrations, certifications, and updates. - Partner cross-functionally with internal departments. - Monitor milestones and produce KPI reporting. **VENDOR RELATIONSHIP MANAGEMENT** - Maintain strong relationships with networks and processors. - Participate in business reviews and roadmap planning. - Ensure network compliance with service expectations. **Knowledge and Skills:** - Strong attention to detail - Strategic thinker - Ability to manage multiple complex streams - Collaboration and relationship management - High accountability and ownership **Requirements:** - 7+ years card issuing, card operations, or network/processor experience. - In-depth knowledge of Visa, Mastercard, Pulse, Interlink, and other network rules. - Experience with TSYS, FIS, Fiserv, EML, or similar processors. - Strong understanding of BIN management, tokenization, and digital wallets. - Knowledge of operational risk, change management, and issue management. - Strong communication, analytical, and problem-solving skills. **PREFERRED** - Experience in network program management or processor migrations. - Experience with 3DS, EMV, fraud tools, and routing. - Project leadership experience. **Work environment: Typical Office environment** Deadline to Apply: March 12, 2026 **Compensation Range:** $69,230.00 - $149,000.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB

**Duties and Responsibilities:** **NETWORK MANAGEMENT** - Serve as the primary operational point of contact for Visa, Mastercard, Pulse, Interlink, and any additional card networks. - Monitor and interpret network operating rules, mandates, releases, and new requirements; assist operations with requirements for implementation or compliance - Manage network certifications, test cycles, and compliance timelines. - Manage escalations related to Network issues, outages, or defects. **PROCESSOR MANAGEMENT** - Participate in the management of relationships with card processors including TSYS, FIS, Fiserv, EML, and others. - Partner with processors to ensure successful network setup of card products, feature enhancements, fraud tools, and digital services. **BIN & BIN RANGE GOVERNANCE** - Own lifecycle management of all BINs and BIN ranges across product lines. - Maintain the master BIN inventory including ownership, usage, tokenization eligibility, routing, and digital wallet enablement. - Submit and manage network requests for BIN expansions, tokenization mapping, 3DS setup, routing changes, and portfolio migrations. - Monitor and help manage BIN setup within processors, networks, risk tools, and internal systems. **TOKENIZATION & DIGITAL WALLETS** - Oversee token BIN mapping, eligibility, and routing. - Monitor and report network performance, i.e. decline trends, and provisioning issues. **OPERATIONAL CONTROLS** - Ensure changes follow internal control standards and validation steps. - Maintain documentation, workflows, and operational process maps. - Support audits and regulatory exams. **PROJECT & PORTFOLIO COORDINATION** - Lead network and processor initiatives including new products, migrations, certifications, and updates. - Partner cross-functionally with internal departments. - Monitor milestones and produce KPI reporting. **VENDOR RELATIONSHIP MANAGEMENT** - Maintain strong relationships with networks and processors. - Participate in business reviews and roadmap planning. - Ensure network compliance with service expectations. **Knowledge and Skills:** - Strong attention to detail - Strategic thinker - Ability to manage multiple complex streams - Collaboration and relationship management - High accountability and ownership **Requirements:** - 7+ years card issuing, card operations, or network/processor experience. - In-depth knowledge of Visa, Mastercard, Pulse, Interlink, and other network rules. - Experience with TSYS, FIS, Fiserv, EML, or similar processors. - Strong understanding of BIN management, tokenization, and digital wallets. - Knowledge of operational risk, change management, and issue management. - Strong communication, analytical, and problem-solving skills. **PREFERRED** - Experience in network program management or processor migrations. - Experience with 3DS, EMV, fraud tools, and routing. - Project leadership experience. **Work environment: Typical Office environment** Deadline to Apply: March 12, 2026 **Compensation Range:** $69,230.00 - $149,000.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB

**Duties and Responsibilities:** **NETWORK MANAGEMENT** - Serve as the primary operational point of contact for Visa, Mastercard, Pulse, Interlink, and any additional card networks. - Monitor and interpret network operating rules, mandates, releases, and new requirements; assist operations with requirements for implementation or compliance - Manage network certifications, test cycles, and compliance timelines. - Manage escalations related to Network issues, outages, or defects. **PROCESSOR MANAGEMENT** - Participate in the management of relationships with card processors including TSYS, FIS, Fiserv, EML, and others. - Partner with processors to ensure successful network setup of card products, feature enhancements, fraud tools, and digital services. **BIN & BIN RANGE GOVERNANCE** - Own lifecycle management of all BINs and BIN ranges across product lines. - Maintain the master BIN inventory including ownership, usage, tokenization eligibility, routing, and digital wallet enablement. - Submit and manage network requests for BIN expansions, tokenization mapping, 3DS setup, routing changes, and portfolio migrations. - Monitor and help manage BIN setup within processors, networks, risk tools, and internal systems. **TOKENIZATION & DIGITAL WALLETS** - Oversee token BIN mapping, eligibility, and routing. - Monitor and report network performance, i.e. decline trends, and provisioning issues. **OPERATIONAL CONTROLS** - Ensure changes follow internal control standards and validation steps. - Maintain documentation, workflows, and operational process maps. - Support audits and regulatory exams. **PROJECT & PORTFOLIO COORDINATION** - Lead network and processor initiatives including new products, migrations, certifications, and updates. - Partner cross-functionally with internal departments. - Monitor milestones and produce KPI reporting. **VENDOR RELATIONSHIP MANAGEMENT** - Maintain strong relationships with networks and processors. - Participate in business reviews and roadmap planning. - Ensure network compliance with service expectations. **Knowledge and Skills:** - Strong attention to detail - Strategic thinker - Ability to manage multiple complex streams - Collaboration and relationship management - High accountability and ownership **Requirements:** - 7+ years card issuing, card operations, or network/processor experience. - In-depth knowledge of Visa, Mastercard, Pulse, Interlink, and other network rules. - Experience with TSYS, FIS, Fiserv, EML, or similar processors. - Strong understanding of BIN management, tokenization, and digital wallets. - Knowledge of operational risk, change management, and issue management. - Strong communication, analytical, and problem-solving skills. **PREFERRED** - Experience in network program management or processor migrations. - Experience with 3DS, EMV, fraud tools, and routing. - Project leadership experience. **Work environment: Typical Office environment** Deadline to Apply: March 12, 2026 **Compensation Range:** $69,230.00 - $149,000.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB

Duties and Responsibilities: NETWORK MANAGEMENT • Serve as the primary operational point of contact for Visa, Mastercard, Pulse, Interlink, and any additional card networks. • Monitor and interpret network operating rules, mandates, releases, and new requirements; assist operations with requirements for implementation or compliance • Manage network certifications, test cycles, and compliance timelines. • Manage escalations related to Network issues, outages, or defects. PROCESSOR MANAGEMENT • Participate in the management of relationships with card processors including TSYS, FIS, Fiserv, EML, and others. • Partner with processors to ensure successful network setup of card products, feature enhancements, fraud tools, and digital services. BIN & BIN RANGE GOVERNANCE • Own lifecycle management of all BINs and BIN ranges across product lines. • Maintain the master BIN inventory including ownership, usage, tokenization eligibility, routing, and digital wallet enablement. • Submit and manage network requests for BIN expansions, tokenization mapping, 3DS setup, routing changes, and portfolio migrations. • Monitor and help manage BIN setup within processors, networks, risk tools, and internal systems. TOKENIZATION & DIGITAL WALLETS • Oversee token BIN mapping, eligibility, and routing. • Monitor and report network performance, i.e. decline trends, and provisioning issues. OPERATIONAL CONTROLS • Ensure changes follow internal control standards and validation steps. • Maintain documentation, workflows, and operational process maps. • Support audits and regulatory exams. PROJECT & PORTFOLIO COORDINATION • Lead network and processor initiatives including new products, migrations, certifications, and updates. • Partner cross-functionally with internal departments. • Monitor milestones and produce KPI reporting. VENDOR RELATIONSHIP MANAGEMENT • Maintain strong relationships with networks and processors. • Participate in business reviews and roadmap planning. • Ensure network compliance with service expectations. Knowledge and Skills: • Strong attention to detail • Strategic thinker • Ability to manage multiple complex streams • Collaboration and relationship management • High accountability and ownership Requirements: • 7+ years card issuing, card operations, or network/processor experience. • In-depth knowledge of Visa, Mastercard, Pulse, Interlink, and other network rules. • Experience with TSYS, FIS, Fiserv, EML, or similar processors. • Strong understanding of BIN management, tokenization, and digital wallets. • Knowledge of operational risk, change management, and issue management. • Strong communication, analytical, and problem-solving skills. PREFERRED • Experience in network program management or processor migrations. • Experience with 3DS, EMV, fraud tools, and routing. • Project leadership experience. Work environment: Typical Office environment Deadline to Apply: March 12, 2026 Compensation Range: $69,230.00 - $149,000.00 The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information. UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. Are you ready to be part of something more? You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to ************************* to let us know the nature of your request. If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.

**Duties and Responsibilities:** **NETWORK MANAGEMENT** - Serve as the primary operational point of contact for Visa, Mastercard, Pulse, Interlink, and any additional card networks. - Monitor and interpret network operating rules, mandates, releases, and new requirements; assist operations with requirements for implementation or compliance - Manage network certifications, test cycles, and compliance timelines. - Manage escalations related to Network issues, outages, or defects. **PROCESSOR MANAGEMENT** - Participate in the management of relationships with card processors including TSYS, FIS, Fiserv, EML, and others. - Partner with processors to ensure successful network setup of card products, feature enhancements, fraud tools, and digital services. **BIN & BIN RANGE GOVERNANCE** - Own lifecycle management of all BINs and BIN ranges across product lines. - Maintain the master BIN inventory including ownership, usage, tokenization eligibility, routing, and digital wallet enablement. - Submit and manage network requests for BIN expansions, tokenization mapping, 3DS setup, routing changes, and portfolio migrations. - Monitor and help manage BIN setup within processors, networks, risk tools, and internal systems. **TOKENIZATION & DIGITAL WALLETS** - Oversee token BIN mapping, eligibility, and routing. - Monitor and report network performance, i.e. decline trends, and provisioning issues. **OPERATIONAL CONTROLS** - Ensure changes follow internal control standards and validation steps. - Maintain documentation, workflows, and operational process maps. - Support audits and regulatory exams. **PROJECT & PORTFOLIO COORDINATION** - Lead network and processor initiatives including new products, migrations, certifications, and updates. - Partner cross-functionally with internal departments. - Monitor milestones and produce KPI reporting. **VENDOR RELATIONSHIP MANAGEMENT** - Maintain strong relationships with networks and processors. - Participate in business reviews and roadmap planning. - Ensure network compliance with service expectations. **Knowledge and Skills:** - Strong attention to detail - Strategic thinker - Ability to manage multiple complex streams - Collaboration and relationship management - High accountability and ownership **Requirements:** - 7+ years card issuing, card operations, or network/processor experience. - In-depth knowledge of Visa, Mastercard, Pulse, Interlink, and other network rules. - Experience with TSYS, FIS, Fiserv, EML, or similar processors. - Strong understanding of BIN management, tokenization, and digital wallets. - Knowledge of operational risk, change management, and issue management. - Strong communication, analytical, and problem-solving skills. **PREFERRED** - Experience in network program management or processor migrations. - Experience with 3DS, EMV, fraud tools, and routing. - Project leadership experience. **Work environment: Typical Office environment** Deadline to Apply: March 12, 2026 **Compensation Range:** $69,230.00 - $149,000.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB

**Duties and Responsibilities:** **NETWORK MANAGEMENT** - Serve as the primary operational point of contact for Visa, Mastercard, Pulse, Interlink, and any additional card networks. - Monitor and interpret network operating rules, mandates, releases, and new requirements; assist operations with requirements for implementation or compliance - Manage network certifications, test cycles, and compliance timelines. - Manage escalations related to Network issues, outages, or defects. **PROCESSOR MANAGEMENT** - Participate in the management of relationships with card processors including TSYS, FIS, Fiserv, EML, and others. - Partner with processors to ensure successful network setup of card products, feature enhancements, fraud tools, and digital services. **BIN & BIN RANGE GOVERNANCE** - Own lifecycle management of all BINs and BIN ranges across product lines. - Maintain the master BIN inventory including ownership, usage, tokenization eligibility, routing, and digital wallet enablement. - Submit and manage network requests for BIN expansions, tokenization mapping, 3DS setup, routing changes, and portfolio migrations. - Monitor and help manage BIN setup within processors, networks, risk tools, and internal systems. **TOKENIZATION & DIGITAL WALLETS** - Oversee token BIN mapping, eligibility, and routing. - Monitor and report network performance, i.e. decline trends, and provisioning issues. **OPERATIONAL CONTROLS** - Ensure changes follow internal control standards and validation steps. - Maintain documentation, workflows, and operational process maps. - Support audits and regulatory exams. **PROJECT & PORTFOLIO COORDINATION** - Lead network and processor initiatives including new products, migrations, certifications, and updates. - Partner cross-functionally with internal departments. - Monitor milestones and produce KPI reporting. **VENDOR RELATIONSHIP MANAGEMENT** - Maintain strong relationships with networks and processors. - Participate in business reviews and roadmap planning. - Ensure network compliance with service expectations. **Knowledge and Skills:** - Strong attention to detail - Strategic thinker - Ability to manage multiple complex streams - Collaboration and relationship management - High accountability and ownership **Requirements:** - 7+ years card issuing, card operations, or network/processor experience. - In-depth knowledge of Visa, Mastercard, Pulse, Interlink, and other network rules. - Experience with TSYS, FIS, Fiserv, EML, or similar processors. - Strong understanding of BIN management, tokenization, and digital wallets. - Knowledge of operational risk, change management, and issue management. - Strong communication, analytical, and problem-solving skills. **PREFERRED** - Experience in network program management or processor migrations. - Experience with 3DS, EMV, fraud tools, and routing. - Project leadership experience. **Work environment: Typical Office environment** Deadline to Apply: March 12, 2026 **Compensation Range:** $69,230.00 - $149,000.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB

**Duties and Responsibilities:** **NETWORK MANAGEMENT** - Serve as the primary operational point of contact for Visa, Mastercard, Pulse, Interlink, and any additional card networks. - Monitor and interpret network operating rules, mandates, releases, and new requirements; assist operations with requirements for implementation or compliance - Manage network certifications, test cycles, and compliance timelines. - Manage escalations related to Network issues, outages, or defects. **PROCESSOR MANAGEMENT** - Participate in the management of relationships with card processors including TSYS, FIS, Fiserv, EML, and others. - Partner with processors to ensure successful network setup of card products, feature enhancements, fraud tools, and digital services. **BIN & BIN RANGE GOVERNANCE** - Own lifecycle management of all BINs and BIN ranges across product lines. - Maintain the master BIN inventory including ownership, usage, tokenization eligibility, routing, and digital wallet enablement. - Submit and manage network requests for BIN expansions, tokenization mapping, 3DS setup, routing changes, and portfolio migrations. - Monitor and help manage BIN setup within processors, networks, risk tools, and internal systems. **TOKENIZATION & DIGITAL WALLETS** - Oversee token BIN mapping, eligibility, and routing. - Monitor and report network performance, i.e. decline trends, and provisioning issues. **OPERATIONAL CONTROLS** - Ensure changes follow internal control standards and validation steps. - Maintain documentation, workflows, and operational process maps. - Support audits and regulatory exams. **PROJECT & PORTFOLIO COORDINATION** - Lead network and processor initiatives including new products, migrations, certifications, and updates. - Partner cross-functionally with internal departments. - Monitor milestones and produce KPI reporting. **VENDOR RELATIONSHIP MANAGEMENT** - Maintain strong relationships with networks and processors. - Participate in business reviews and roadmap planning. - Ensure network compliance with service expectations. **Knowledge and Skills:** - Strong attention to detail - Strategic thinker - Ability to manage multiple complex streams - Collaboration and relationship management - High accountability and ownership **Requirements:** - 7+ years card issuing, card operations, or network/processor experience. - In-depth knowledge of Visa, Mastercard, Pulse, Interlink, and other network rules. - Experience with TSYS, FIS, Fiserv, EML, or similar processors. - Strong understanding of BIN management, tokenization, and digital wallets. - Knowledge of operational risk, change management, and issue management. - Strong communication, analytical, and problem-solving skills. **PREFERRED** - Experience in network program management or processor migrations. - Experience with 3DS, EMV, fraud tools, and routing. - Project leadership experience. **Work environment: Typical Office environment** Deadline to Apply: March 12, 2026 **Compensation Range:** $69,230.00 - $149,000.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB

**Duties and Responsibilities:** **NETWORK MANAGEMENT** - Serve as the primary operational point of contact for Visa, Mastercard, Pulse, Interlink, and any additional card networks. - Monitor and interpret network operating rules, mandates, releases, and new requirements; assist operations with requirements for implementation or compliance - Manage network certifications, test cycles, and compliance timelines. - Manage escalations related to Network issues, outages, or defects. **PROCESSOR MANAGEMENT** - Participate in the management of relationships with card processors including TSYS, FIS, Fiserv, EML, and others. - Partner with processors to ensure successful network setup of card products, feature enhancements, fraud tools, and digital services. **BIN & BIN RANGE GOVERNANCE** - Own lifecycle management of all BINs and BIN ranges across product lines. - Maintain the master BIN inventory including ownership, usage, tokenization eligibility, routing, and digital wallet enablement. - Submit and manage network requests for BIN expansions, tokenization mapping, 3DS setup, routing changes, and portfolio migrations. - Monitor and help manage BIN setup within processors, networks, risk tools, and internal systems. **TOKENIZATION & DIGITAL WALLETS** - Oversee token BIN mapping, eligibility, and routing. - Monitor and report network performance, i.e. decline trends, and provisioning issues. **OPERATIONAL CONTROLS** - Ensure changes follow internal control standards and validation steps. - Maintain documentation, workflows, and operational process maps. - Support audits and regulatory exams. **PROJECT & PORTFOLIO COORDINATION** - Lead network and processor initiatives including new products, migrations, certifications, and updates. - Partner cross-functionally with internal departments. - Monitor milestones and produce KPI reporting. **VENDOR RELATIONSHIP MANAGEMENT** - Maintain strong relationships with networks and processors. - Participate in business reviews and roadmap planning. - Ensure network compliance with service expectations. **Knowledge and Skills:** - Strong attention to detail - Strategic thinker - Ability to manage multiple complex streams - Collaboration and relationship management - High accountability and ownership **Requirements:** - 7+ years card issuing, card operations, or network/processor experience. - In-depth knowledge of Visa, Mastercard, Pulse, Interlink, and other network rules. - Experience with TSYS, FIS, Fiserv, EML, or similar processors. - Strong understanding of BIN management, tokenization, and digital wallets. - Knowledge of operational risk, change management, and issue management. - Strong communication, analytical, and problem-solving skills. **PREFERRED** - Experience in network program management or processor migrations. - Experience with 3DS, EMV, fraud tools, and routing. - Project leadership experience. **Work environment: Typical Office environment** Deadline to Apply: March 12, 2026 **Compensation Range:** $69,230.00 - $149,000.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB

**Duties and Responsibilities:** **NETWORK MANAGEMENT** - Serve as the primary operational point of contact for Visa, Mastercard, Pulse, Interlink, and any additional card networks. - Monitor and interpret network operating rules, mandates, releases, and new requirements; assist operations with requirements for implementation or compliance - Manage network certifications, test cycles, and compliance timelines. - Manage escalations related to Network issues, outages, or defects. **PROCESSOR MANAGEMENT** - Participate in the management of relationships with card processors including TSYS, FIS, Fiserv, EML, and others. - Partner with processors to ensure successful network setup of card products, feature enhancements, fraud tools, and digital services. **BIN & BIN RANGE GOVERNANCE** - Own lifecycle management of all BINs and BIN ranges across product lines. - Maintain the master BIN inventory including ownership, usage, tokenization eligibility, routing, and digital wallet enablement. - Submit and manage network requests for BIN expansions, tokenization mapping, 3DS setup, routing changes, and portfolio migrations. - Monitor and help manage BIN setup within processors, networks, risk tools, and internal systems. **TOKENIZATION & DIGITAL WALLETS** - Oversee token BIN mapping, eligibility, and routing. - Monitor and report network performance, i.e. decline trends, and provisioning issues. **OPERATIONAL CONTROLS** - Ensure changes follow internal control standards and validation steps. - Maintain documentation, workflows, and operational process maps. - Support audits and regulatory exams. **PROJECT & PORTFOLIO COORDINATION** - Lead network and processor initiatives including new products, migrations, certifications, and updates. - Partner cross-functionally with internal departments. - Monitor milestones and produce KPI reporting. **VENDOR RELATIONSHIP MANAGEMENT** - Maintain strong relationships with networks and processors. - Participate in business reviews and roadmap planning. - Ensure network compliance with service expectations. **Knowledge and Skills:** - Strong attention to detail - Strategic thinker - Ability to manage multiple complex streams - Collaboration and relationship management - High accountability and ownership **Requirements:** - 7+ years card issuing, card operations, or network/processor experience. - In-depth knowledge of Visa, Mastercard, Pulse, Interlink, and other network rules. - Experience with TSYS, FIS, Fiserv, EML, or similar processors. - Strong understanding of BIN management, tokenization, and digital wallets. - Knowledge of operational risk, change management, and issue management. - Strong communication, analytical, and problem-solving skills. **PREFERRED** - Experience in network program management or processor migrations. - Experience with 3DS, EMV, fraud tools, and routing. - Project leadership experience. **Work environment: Typical Office environment** Deadline to Apply: March 12, 2026 **Compensation Range:** $69,230.00 - $149,000.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB