Manager Settlement Accounting

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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.

We 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 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)

FLSA Status:
Exempt

Pay Type:

Salary

EEO Category:
First/Mid-Level Officials and Managers

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.

• 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

• 5+ years of progressive accounting experience, including close, reconciliations, and financial reporting
• Demonstrated…