Controller, Finance & Banking, Financial Compliance

What We Do

At Card Works, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.

Card Works, Inc. is a diversified consumer finance service provider and parent company of Card Works Servicing, LLC, Merrick Bank and Carson Smithfield, LLC.

Card Works Servicing, LLC provides end-to-end operational servicing functions for credit cards, secured cards, and installment loans. We service consumer and small business loans across the credit spectrum and offer backup servicing and due diligence services to capital providers and trustees.

Merrick Bank is an FDIC-insured Utah Industrial Loan Bank. Merrick operates three main business lines: credit cards, recreational lending, and merchant services.

Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.

The Bank Controller leads the overall direction of accounting activities of Merrick Bank Corporation (the “Bank”). This position directs the overall work of the Financial Reporting, Settlement Accounting and Merchant Accounting departments. This position also works closely with other business units to ensure that transactions generated by their actions are properly accounted for and that systems are set up in ways that ensure proper accounting.

• Analyzes financial information detailing assets, liabilities, and capital, and supervises the preparation of the balance sheet, profit and loss statement, regulatory reports, and other reports to summarize and interpret current and projected company financial position for other managers, and, where applicable, outside parties.
• Supervises the compilation of financial information to prepare entries to accounts, such as general ledger accounts, general ledger reconciliations, and documenting business transactions.
• Supervises the accounting for reserves, assets, and expenditures.
• Works closely with the external tax accountants in the compilation of the appropriate data to assist in the preparation of federal, state, and local reports, estimated tax payments, and tax returns.
• Installs, modifies, documents, and coordinates implementation of accounting systems and accounting control procedures.
• Develops new systems and procedures for improving the organization’s accounting operation and efficiency.
• Works closely and smoothly with other departments of the Bank to implement new accounting procedures to support new product development.
• Works closely with the Bank’s internal auditors, external auditors, and FDIC examiners to assist them in their annual audits or exams and the preparation of the Bank’s annual report.
• Monitors all cash transactions between the Bank and its affiliates to ensure regulatory compliance.
• Supervises the audit of contracts, orders, and vouchers, and the preparation of reports to substantiate individual transactions prior to settlement.
• Oversees and ensures that accounting systems and accounting controls are documented and followed.
• Provides management with timely reviews of the Bank’s financial status and progress in its various programs and activities.
• Supervises the work of the Settlement Manager and Staff Accountants to ensure compliance to the Bank’s policies and procedures.
• Supervises the work of the Merchant Accounting Manager and Staff Accountants to ensure compliance to the Bank’s policies and procedures.
• Supervises any projects, business or strategic developments or other initiatives that in any way affect Financial Reporting, Settlement, or Merchant accounting their systems, procedures or the financial accounting related thereto.
• Keeps abreast of developments in relevant state and federal regulations, systems and procedures.
• Performs other duties as assigned by supervisor.
• Compliance with Laws & Regulations:
• Responsible on developing, documenting, communicating, maintaining, and enforcing effective control system policies and procedures within your area of oversight.
• Responsible to act in a timely manner to…