Intern - Retail Lending & Credit Cards (Summer 2027)

About Working at Commerce

Building a career here is more than just steps on a ladder. It’s about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn’t stop there. Our culture is about our people, the ones in our communities and the ones that work with us.

Here, you’ll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You’ll have the space and resources to grow into the best version of yourself. Because our number one investment is you.

Creating an award-winning culture doesn't come easy. And after 160 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let’s talk.

Compensation Range
Hourly: $20.00 - $20.00 (Amount based on relevant experience, skills, and competencies.)

About This Job

Commerce Bank is seeking a Credit Card Acquisitions Risk Intern to support a defined project within the Retail Lending & Credit Card business. The intern will use research and data analysis to evaluate an existing acquisitions risk, fraud, or application strategy; identify trends and areas of opportunity; and develop data-supported recommendations. This position provides practical experience in credit card acquisitions risk management, fraud prevention, application decisioning, and business analytics.

The summer internship session will begin on  Tuesday, May 18th, 2027 , and will run for  11 weeks , ending on  Friday, July 30th, 2027 . Internships are  paid, full-time opportunities  with a  Monday through Friday  work schedule.

Essential Functions

- Complete a defined project focused on evaluating or optimizing a credit card acquisitions risk, fraud, or application strategy.
- Analyze application, fraud, and acquisitions risk performance data to identify trends, potential concerns, and areas of opportunity.
- Research emerging capabilities and industry practices related to credit card acquisitions risk, application decisioning, and fraud prevention.
- Summarize findings and develop data-supported observations and recommendations.
- Prepare and present project findings to Retail Lending & Credit Card leadership and relevant business partners.
- Perform other duties as assigned.

Knowledge, Skills & Abilities Required

- Strong analytical and problem-solving skills, with an interest in using data to evaluate risk and business performance.
- Ability to conduct research, recognize meaningful patterns and trends, and summarize findings clearly.
- Detail-oriented, inquisitive, organized, and eager to learn.
- Strong written, verbal, and interpersonal communication skills.
- Ability to work independently with appropriate direction and collaborate effectively with team members.
- Proficiency with Microsoft Office suite.
- Interest in financial services, consumer credit, fraud prevention, risk management, application decisioning, or data analytics.
- Ability to handle business and customer information with appropriate discretion and confidentiality.
- Ability to remain adaptable and resilient in changing situations, maintain an optimistic outlook, and contribute positively to Commerce Bank’s culture.

Education & Experience

- Currently pursuing a bachelor’s degree in business, finance, economics, data analytics, mathematics, statistics, risk management, or a related field.
- Coursework or experience involving data analysis, research, financial services, consumer credit, fraud, or risk management preferred.
- Experience using Microsoft Excel to organize, analyze, and summarize data preferred.

*Hybrid Schedule: In office 3 days per week

**For individuals applying, assigned and/or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles. This compensation range is for the Intern job. The disclosed range estimate has not been adjusted for any applicable differentials (geographic, bilingual, or shift) that could be associated with the position or where it is filled. A reasonable estimate of the current base pay is $20.00 per hour.

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Must be eligible to work in the US without sponsorship now or in the future.

The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits.  Click here to learn more.

Location: 811 MAIN, KANSAS CITY, Missouri 64106

Time Type:
Full time