We don’t simplify your business. We rise to it.
We’re the bridge between where your business is and where it needs to be.
One partner.
Total performance.
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Future-synced
We don’t just service your program. We take it where it needs to be.
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Integrated insights
Cross-lifecycle visibility and insights that sharpen portfolio decision-making.
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Powered by experts
Powered by experts who know complex portfolios inside and out.
Your integrated performance partner
One partner across portfolio strategy, program management, and core processing expertise with issuing bank relationships.
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Card and loan Servicer
End-to-end card and loan servicing across the full credit lifecycle.
- Process management
- Digital servicing
- Live-agent servicing
- Case management
- Charge-off & backup servicing
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Issuing expertise
Our affiliate, Merrick Bank, has the ability to serve as an issuing bank for your program, putting its regulatory prowess to work.
- Issuer
- Compliance oversight
- Regulatory relationships
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Program support
Experienced support and operational expertise designed to help clients manage and optimize their portfolios.
- Implementation
- Onboarding
- Performance optimization
- Credit policy
- Line assignment & scoring
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Core processor experts
We’ve built expertise across a wide range of processing environments.
- Partnerships with Fiserv & LoanPro
- Portfolio conversions & implementations
- Facilitate seamless processing integration for a full solution
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Portfolio management strategy
Most servicers execute your strategy – we help create it, informed by connected data across the credit lifecycle.
- Line strategy & scoring
- Overlimit strategy & scoring
- Fraud strategy & scoring
- Collections strategy & scoring
Protecting what matters
Every client comes to us with different needs and important gaps to fill. That’s why you’ll never see a cookie cutter solution from us. With CardWorks Servicing, your program is tailored, with compliance, oversight, and risk management baked into every partnership.
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Startups
Protecting your momentum
You have the funding and the vision. We’ll give you the operational infrastructure and strategic partnership to help make that vision a reality.
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Mid-sized banks and fintechs
Protecting your bandwidth
We take the operational complexity off your plate so your team can focus on growing the business you’ve worked hard to build.
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Asset managers
Protecting your yield
We can manage every variable in your portfolio, from servicing to strategy and compliance, so you get performance without operational overhead.
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Large banks
Protecting your infrastructure
Your operation is already worldclass. That’s why we plug in where precision matters most: disputes, fraud, credit bureau workflows, and more. All without disrupting what’s working in your day-to-day.
FDIC-appointed Successor Servicer
The FDIC selected us to take over servicing for a large, name-brand private-label card portfolio. The results? Stabilized servicing of a distressed portfolio, maximized recoveries for bondholders, and more.
Explore Now : FDIC-appointed Successor Servicer-
60 days
Servicing transition period
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$1.2B
in receivables across 700K closed credit card accounts
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$1.9B
Charged-off receivables
What we can service
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Consumer cards and revolving products
- General purpose cards
- Private label cards
- Secured cards
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Unsecured consumer loans
- Personal loans
- Marketplace and online originated loans
- Retail finance loans
- Small business loans
- Home improvement loans
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Secured consumer loans
- RV/marine loans
- Solar loans
- Powersport loans
- Auto loans
Your servicing transformation starts now
A CardWorks Servicing expert will help you build a tailored solution, powered by operational excellence.