Join our team and build your career with momentum as we champion your growth, elevate your ideas and engage you in purpose-driven work that makes a real difference every day. 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 CardWorks Financial Group, Merrick Bank serves roughly five million cardmembers and more than 100,000 merchant customers nationwide. What we do We provide credit cards, recreational loans, deposit accounts, merchant services and bank sponsorships 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. 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 accounting experience, including close, reconciliations, and financial reporting • Demonstrated experience leading work, reviewing outputs, and mentoring staff in either a supervisory or lead capacity • Strong knowledge of U.S. GAAP and financial reporting principles • Experience working with ERP systems (such as Oracle, SAP, or similar) and advanced proficiency in Excel Preferred: • Bachelor’s degree in Accounting, Finance, or a related field; or an Associate’s degree with significant relevant accounting experience; or equivalent progressive accounting experience preferred. • 2+ years of direct people management experience • Experience with loan accounting, credit card lending, or consumer finance portfolios • Experience in subledger-driven or high-volume accounting environments • Experience with credit card charge-offs and recovery activities. • Experience improving close processes, reconciliation efficiency, or reporting accuracy • Background in financial services, credit card, banking, or lending organizations Knowledge, Skills and Capabilities: • Strong operational accounting expertise in reconciliations, accruals, and financial reporting • Ability to analyze financial data and communicate performance drivers and variances clearly • Demonstrated leadership and team development capabilities • Ability to partner cross-functionally and influence stakeholders across functions • Process improvement mindset with focus on controls, efficiency, and scalability • Strong attention to detail and accountability for accuracy and completeness • Effective communication, organization, and problem-solving skills Compliance with Laws & Regulations • Responsible for complying with all the Bank’s internal control policies and procedures. • Responsible for understanding and complying with all laws and regulations to which the Bank is subject. • Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts. Work Environment/Physical Demands: • This position is hybrid, with an expectation of approximately 2–3 days onsite per week, depending on business needs. • Work is performed in an office environment and requires prolonged periods of sitting and working on a computer. • Some stress may occur due to deadlines and reporting cycles. • Travel is generally not required. #INDHP1 #INDMB Why join us We believe in putting people first by supporting our customers, employees and our partners while creating opportunities for everyone to reach their potential. From fostering work-life balance to rewarding good work and innovative ideas, we invest in what matters most, our people. At Merrick Bank, you’ll be part of a collaborative, customer-focused team where you can grow your career while making a meaningful impact. 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 proud to be an equal opportunity employer. All qualified applicants will receive consideration without regard to age, race, color, sex, or gender identity/expression (including pregnancy, childbirth, transgender status, or sexual orientation), religion or creed, ancestry, citizenship, national origin, disability, military or veteran status, marital status, genetic information, or any other characteristic protected by applicable law. We do not tolerate discrimination, harassment, or retaliation. Employment decisions are based solely on qualifications, merit, and business needs. Everyone is welcome here, and we hire based on your ability to do the job, not any protected characteristics. If you need help or reasonable accommodation during the application or hiring process, please let your TA Partner know.