Aqua Finance

• Ensure accounting for loan receivable balance is in accordance with GAAP and other regulatory requirements • Design and execute financial controls and reporting • Process payments (checks, ACH, credit card, wire transfers) • Reconcile customer accounts and investigate discrepancies • Identify opportunities for automation and operational process improvement • Partner with Legal, Compliance, and Account Servicing teams on error remediation • Work with external auditors on financial statement and SOC 1 audit

• Own loan and pool accounting processes as assigned, including training, documentation, and execution. • Review work completed by staff and senior accountants, as well as offshore contractors. • Perform and review analyses to determine required daily cash movement by legal entity in accordance with contractual obligations. • Perform and review bank reconciliations for accuracy, providing feedback and recommending adjusting entries as appropriate. • Assist with external auditor requests. • Document accounting processes in accordance with GAAP. • Identify and recommend efficiencies to support scalable operations. • Evaluate financial risk and design controls to mitigate risk. • Lead and implement identified process improvements. • Complete ad hoc projects as needed.

• Assists the Compliance Department with the execution of Aqua’s Compliance Management System, including regulatory change, issues management, risk assessment, complaint management, training, and monitoring • Provides detailed and actionable guidance to business partners regarding compliance risk and mitigating controls • Assists with implementation of corrective action plans, new products and services, and vendors • Assists with responding to audits and examinations • Assists with policy and procedure management • Acts as the compliance point of contact for projects as assigned • Maintains expertise in applicable state and federal regulations • Develops and manages relationships with business partners, understanding business risks and providing effective challenge to business partners when compliance controls are lacking, inadequate, or ineffective • Assist with compliance reporting • Other projects as assigned

Location: Wausau United States Job Description: The Recovery Administration Specialist is responsible for carrying out clerical duties on delinquent consumer loans within a charged-off portfolio of accounts and for helping support collection efforts on the accounts in varying capacity. - This is considered a hybrid role, with a combination of onsite work in Wausau, WI and remote work from home. The standard schedule is Monday through Friday, 8:00 a.m. - 4:30 p.m. Essential Functions - Complete clerical duties for accounts, to include but not be limited to, answering phones, making phone calls, entering data, filling in forms, and keeping/updating records/spreadsheets - Successfully negotiate with consumers or authorized third parties for payment in full, settlement, or monthly payments on accounts - Provide support in skip-tracing accounts when necessary - Manage third party placements and communicate with third party vendors regarding those placements Required Education And Experience - High School Diploma or GED equivalent required - 2 years Customer Service and/or Administrative or Clerical experience required - 6 months of collection experience preferred - 6 months of administrative or clerical experience required - Financial industry experience preferred - Bilingual (English and Spanish) candidates preferred - Attention to detail and accuracy required - Excellent verbal and written communication skills required - Proficient in the utilization of Microsoft Office Suite - Ability to thrive in a fast-paced work environment Physical Demands While performing the duties of this job, the employee is frequently required to sit, stand, walk, visualize, talk, hear, and handle or touch objects or controls. The employee may occasionally lift, push, or pull up to 20 pounds. This position is an office-based position where you must be able to sit for long periods of time. The employee will be working on a computer 90% of the time.

• Analyze complex financing structures and underlying collateral pools, including ABS transactions and warehouse facilities • Develop trend reporting to track actual vs. modeled performance across structural features such as credit enhancements, advance rates, covenants, loss triggers, and prepayment rates • Assess how structural components impact deal performance and return profiles • Build and maintain financial models to project returns on consumer loan portfolios and funding costs • Support pricing strategies for new consumer loans to optimize profitability and risk-adjusted returns • Conduct sensitivity analyses (e.g., default rates, credit costs, product structure) to inform pricing and risk mitigation decisions • Recommend interest rates, yield targets, and advance rates based on data insights and market benchmarks • Support structuring of financing transactions by recommending credit enhancements and risk mitigation strategies • Evaluate and suggest collateral requirements, triggers, and covenants (e.g., delinquency or loss triggers) • Partner with senior team members to optimize deal structures for investor protection and capital efficiency • Collaborate with Credit, Finance, Capital Markets, and Servicing teams to develop reporting and financial models • Partner with Credit Analytics to ensure consistency in assumptions and outputs • Clearly communicate insights and recommendations to stakeholders, including senior leadership

• Lead the design, deployment, optimization, and governance of predictive decisioning strategies supporting outbound collections operations • Develop, validate, deploy, and optimize predictive models supporting collections segmentation, prioritization, and treatment strategies • Operationalize machine learning and statistical models directly within collections and decisioning platforms • Monitor production model performance and recalibrate strategies based on drift, operational outcomes, regulatory changes, and portfolio behavior • Design and manage customer segmentation strategies aligned to delinquency stage, risk tiers, roll rates, payment behavior, and customer engagement patterns • Define and govern outbound contact policies, including channel prioritization, cadence strategies, suppression logic, quiet hours, and contact frequency limits • Lead A/B and multivariate testing initiatives across messaging, channel mix, pacing, cadence, and strategy execution • Develop and maintain executive-level reporting and dashboards measuring RPC, PTP, liquidation rates, cures, roll rates, recovery performance, and operational KPIs • Maintain model governance documentation, change management controls, validation standards, audit readiness, and regulatory compliance support • Collaborate cross-functionally with Compliance, Legal, Technology, Data Engineering, and Operations teams to ensure decision strategies remain compliant, scalable, and operationally effective

• Lead the enterprise Compliance Testing and Monitoring program, including strategy, methodology, execution oversight, and continuous improvement • Develop and maintain risk-based, multi-year and annual testing plans aligned with enterprise risk assessments, regulatory changes, business initiatives, and emerging risks • Oversee end-to-end compliance control testing across the product and service lifecycle, ensuring adherence to applicable federal and state regulations • Design and implement scalable, technology-enabled testing solutions, including automated and semi-automated approaches to improve coverage, consistency, and efficiency • Translate risk assessments into clearly defined, audit-defensible testing strategies, including scope, frequency, and depth of testing activities • Provide effective second-line oversight and challenge of first-line monitoring activities, including evaluation of monitoring design, execution quality, and issue escalation practices • Partner with business leaders to strengthen ownership of compliance risk while holding stakeholders accountable for timely remediation of identified issues • Deliver clear, concise, and actionable reporting on testing results, trends, and remediation status to senior leadership, management committees, and the Board • Support the Chief Compliance Officer in the execution of the overall Compliance Program and strategic initiatives

• Lead, coach, and develop a blended team to achieve key performance metrics including SLA, AHT, QA, productivity, NPS, complaint timeliness, and resolution quality • Oversee daily contact center and complaint operations to ensure consistent, high-quality, and compliant customer outcomes • Manage complaint intake, triage, prioritization, and assignment to ensure timely and accurate resolution • Conduct quality reviews of calls and written complaint responses; provide coaching and ensure adherence to quality and regulatory standards • Analyze operational data, complaint trends, and customer feedback to identify root causes and drive process improvements • Leverage AI-enabled tools to enhance insights, optimize workflows, support trend analysis, and improve quality outcomes • Support adoption and expansion of AI capabilities, including training, user enablement, pilots, and rollout initiatives • Partner cross-functionally with Training, Quality, Technology, Operations, Compliance, and Legal to improve processes and customer outcomes • Identify gaps, propose solutions, and independently drive performance and process improvements • Perform core people leadership responsibilities including hiring, onboarding, performance management, and coaching • Communicate policy updates, procedural changes, and system enhancements effectively • Maintain accurate documentation, ensure adherence to controls, and proactively escalate risks or systemic issues

• Analyze business requirements and translate them into detailed functional and technical specifications to support system enhancements and integrations • Execute SQL queries to validate data integrity, perform root cause analysis, and support troubleshooting in both production and non-production environments • Investigate and interpret application, database, and infrastructure logs to diagnose system issues, performance bottlenecks, and integration failures • Act as a technical liaison between business stakeholders, development teams, and infrastructure teams to ensure accurate system behavior and data flow • Support and monitor system integrations, including APIs, file-based interfaces, middleware, and ETL processes, to ensure reliable data exchange across internal and external systems • Perform impact analysis for proposed system changes, identifying downstream effects to integrations, data models, and dependent applications • Validate system behavior during incident response and defect resolution through data analysis, log review, and configuration inspection • Document system workflows, data mappings, interface specifications, and operational procedures to support ongoing system maintenance and knowledge sharing • Assist with user acceptance testing (UAT) by validating test data, reviewing backend results, and confirming integration outcomes • Collaborate with developers to reproduce issues, validate fixes, and verify results using backend data and logs • Support production releases by validating data loads, monitoring integrations, and responding to post-deployment issues • Proactively identify recurring system issues and recommend process, configuration, or architectural improvements.

• Skip tracing to include TLOs and internet research for assigned accounts • Receive inbound collections & 2nd voice calls • Monitor email inboxes and update account or respond to customer as appropriate • Make outbound dials from calling queues to resolve customer accounts • Spot trends on first payment defaults and report information to the Resolution Team • Assist in answering appropriate overflow ring group calls