Manager Settlement Accounting

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Who we are Founded in 1997, Merrick Bank is an FDIC-insured financial institution headquartered in South Jordan, Utah, with over $10 billion in assets. A wholly owned subsidiary of Card Works Financial Group, Merrick Bank serves roughly five million card members and more than 100,000 merchant customers nationwide.

What we doWe provide credit cards, recreational loans, deposit accounts, merchant services and bank sponsor ships to consumers and businesses. As a leader in non-prime lending and merchant acquiring, we combine innovative technology with data-driven insights to help underserved consumers build and strengthen credit while delivering integrated, scalable payment solutions for businesses.

Merrick Bank ranks among the top 20 FDIC-insured credit card issuers in the U.S. and among the top 15 merchant acquirers by transaction volume.

Job Description – Overview & Classification Job Family Group:
Finance Job Family:
Accounting Services (Merchant & Settlement)
Job Profile:
Manager Accounting Services Business Unit:
Finance Cost Center:
Accounting & Financial Reporting Posting

Title:

Accounting Manager – Credit Card Lending Job Level: Manager Management Level: Manager Reporting To: VP Settlement Accounting & Financial Reporting Direct Reports: (3)[HR Use Only]FLSA Status:
Exempt

Pay Type:

SalaryEEO Category:
First/Mid-Level Officials and Managers

Job Description & Posting Content Position Summary and Role Impact:

The Accounting Manager – Credit Card Lending is responsible for leading a team responsible for the accounting and financial reporting for the credit card portfolio, including Merrick owned card portfolios and Merrick originated credit card loans with strategic partners. This role ensures the accuracy, integrity, and completeness of financial results through oversight of reconciliations, close processes, and portfolio-level reporting.

The position manages a team of staff accountants and is responsible for their development, performance management, workload prioritization, and coaching.

This role serves as a key partner to finance, operations, servicing, and data teams, providing insights into portfolio performance and ensuring the appropriate application of U.S. GAAP to loan-related transactions. The Accounting Manager contributes to improved financial transparency, stronger controls, and scalable growth of the Flow Lending portfolio.

Essential Functions:

Lead accounting and financial reporting for the Credit Card Lending portfolio, including loan balances, interest income, fees, charge-off and recoveries.

Own and coordinate month-end and quarter-end close processes, ensuring accurate and timely recording of transactions and reconciliations

Review and approve reconciliations, journal entries, and variance analyses prepared by staff

Maintain ownership of subledger-to-general ledger reconciliations, ensuring completeness and resolution of reconciling items

Analyze financial results and provide clear insights into portfolio performance, trends, and key drivers

Apply and enforce U.S. GAAP and internal accounting policies to loan lifecycle transactions

Lead, develop, and coach accounting staff, fostering accountability and continuous improvement

Partner cross-functionally with operations, servicing, FP&A, and data teams to improve reporting and processes

Identify and implement process improvements to enhance efficiency, accuracy, and control effectiveness

Support internal and external audits and ensure adherence to internal control frameworks

Requirements for Success:

Education & Experience

Required:

· 5+ years of progressive…