Applied for a U.S Bank Wealth Advisor Role and a bit concern with the background check. I had a few late payment (4 to be exact) back in 2023. Since then all has been resolved and no late payment since. Can that affect my chances on being considered?

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Shouldn’t be a problem… it doesn’t pose an inherent risk… what we look for (as managers/compliance/security) is to see if there is a risk that financial distress could cause you to exhibit poor/risky judgement or behaviors, like misuse of client funds… that’s all… worst case scenario, you might have to write a letter of explanation… yada yada yada, got sick, couldn’t work, had medical expenses, yada yada yada…

If you haven’t paid your mortgage in 6 months, have 110% credit utilization, had your car repossessed, and haven’t paid your child support in 3 years… hopefully not all at the same time, but that’s an inherent risk…

But they wouldn’t pull anything until you have received a conditional offer for the role, but I like the forward and positive thinking… good luck!

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Thank you. Really appreciate your response.

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