Sr. Accountant, Accounting & Financial Reporting

Join our team - and take the next step in achieving a fulfilling career! What We Do At CardWorks, 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 CardWorks, Inc. is a diversified consumer finance service provider and parent company of CardWorks Servicing, LLC, Merrick Bank and Carson Smithfield, LLC. CardWorks 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.

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.

Essential Functions:

• 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 and ad hoc analyses as assigned by the Accounting Supervisor or management.

Education and Experience:

Bachelor's degree in Accounting is required. Associate's degree in Accounting with three (3) years of related and equivalent experience accepted in lieu of education requirement. A minimum of three (3) years of progressively responsible accounting experience is required. Experience with, and demonstrated skill at, the following computer applications: Word Processing, Spreadsheets (Excel preferred), Accounting software (preferably Oracle Cloud Financials), E‑mail, and Database software.

Summary of Qualifications:

Demonstrated ability to apply accounting and mathematical concepts, including fractions, percentages, ratios, and proportions, to practical accounting and financial reporting situations. Demonstrated ability to analyze and resolve moderately complex accounting issues and to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. Working knowledge of general ledger accounting, reconciliations, and financial reporting processes within a regulated banking environment. Experience supporting the preparation and filing of sales/use tax and property tax returns in accordance with applicable requirements. Strong analytical skills with the ability to research discrepancies, identify root causes, and ensure accurate and timely resolution. Responsible and flexible individual who demonstrates sound judgment, attention to detail, and accountability in completing assigned work. Communicates effectively both orally and in writing; presents information in a clear, concise, organized, and professional manner. Demonstrates a solid understanding of the Bank's accounting processes, internal controls, and documentation standards, and applies this knowledge consistently in daily work.

Work Environment/Physical Demands:

The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. This is largely a sedentary role; however, some filing is required. This would require the ability to lift files, open filing cabinets and bend or stand on a stool as necessary. Security Responsibilities -

General:

This classification requires heightened security awareness to safeguard the Bank's data, including customer non-public personal information. This security level means that the job includes exposure to all categories of Bank data, including customer non-public personal information. #INDHP1 Our Employee Value Proposition Competitive Pay, including a Bonus Target or Variable Pay Incentive Program Benefits Package -Medical, Dental, and Vision (plus much more) 401(k) Plan with Company Match Short- & Long-Term Disability Wellness Programs Group Life and AD&D Insurance Paid Vacation, Sick Days and bank Holidays Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location. We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic. We will conduct a thorough background check for all hires in compliance with applicable laws. At Merrick Bank, we specialize in credit programs that assist people looking to build or rebuild their credit. Founded in 1997, Merrick Bank is FDIC insured and recognized as a top 20 credit card issuer in the U.S. In total, we proudly serve nearly 3 4 million cardholders and have extended nearly $6 billion in credit. We also provide consumer finance options to marine, RV, powersports, horse and utility trailer dealers across the country to help customers find new opportunities to get what they need for recreation. As a top 12 Merchant Acquirer, Merrick Bank's merchant business provides support to over 150,000 merchants through approximately 40 independent sales organizations, with over $60B in annual card purchase volume. We offer a wide range of High-Yield Certificates of Deposit with competitive rates and FDIC insurance up to the maximum allowed by law - as Merrick Bank is extremely well capitalized and poised for continued growth. Not finding the right fit? Let us know you're interested in a future opportunity by clicking Get Started below or create an account by clicking 'Sign In' at the top of the page to set up email alerts as new job postings become available that meet your interest!