Sr. Accountant, Accounting & Financial Reporting

* Join our team - and take the next step in achieving a fulfilling career!
*** 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.
** Who We Are
** 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 offers 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.
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* Position Summary:

** The Sr. Financial Reporting Accountant performs a broad range of daily, weekly, and monthly accounting and financial reporting functions for Merrick Bank Corporation (the “Bank”) with increased independence and responsibility. Duties include preparing and recording general ledger entries, completing account reconciliations and analyses of moderate complexity, supporting the accounts payable process as needed, and performing other accounting and reporting activities as assigned by the Accounting Supervisor.  

This role ensures all work is completed accurately, timely, and in compliance with established internal controls, policies, and procedures. The Sr. Financial Reporting Accountant applies a strong understanding of accounting principles to resolve routine issues, supports month end close and reporting activities, and contributes to audits, regulatory support, and process improvements under general guidance.
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* Essential Functions:

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* Independently compiles, analyzes, and reviews financial information to prepare and record moderately complex entries to the Bank’s general ledger (Oracle Cloud), ensuring transactions are appropriately documented and supported.
* Performs and reviews account analyses and reconciliations of moderate complexity, including researching, resolving, and clearing discrepancies and outages accurately and within established timelines.
* Records, reconciles, and analyzes the Bank’s daily cash and investing activities, identifying variances and escalating issues as appropriate.
* Prepares and files the Bank’s sales/use tax and property tax returns, ensuring accuracy, completeness, and compliance with regulatory requirements and filing deadlines.
* Completes and reviews schedules supporting the Bank’s FDICIA controls, ensuring proper documentation, consistency, and adherence to internal control standards.
* Provides advanced support for the month‐end close process, including preparation and review of balance sheet support, reconciliations, and FDICIA documentation.
* Serves as a knowledgeable backup for Accounts Payable, reviewing expense coding, processing accounts payable and employee reimbursement transactions, and ensuring compliance with Bank policies and procedures.
* Compiles, analyzes, and reviews financial data and reports to support Finance management’s reporting and decision‐making needs.
* Maintains and updates departmental procedures, ensuring documentation remains current, accurate, and aligned with standard procedure templates and control requirements.
* Supports internal and external audits by independently collecting, reviewing, validating, and organizing audit support documentation and responding to auditor inquiries.
* Identifies process inefficiencies and areas for improvement, recommends practical enhancements, and supports implementation of approved improvements.
* Completes a variety of daily, weekly, and monthly accounting schedules with increased independence and attention to accuracy and timeliness.
* Performs special projects…