Merchant of Record – Accountant

Cart.com

. Own the accounting and operational oversight of Merchant of Record activities across supported brands .

Posted 10/2/2026full-timeRemote • United StatesMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in payment processing, financial controls, and operational oversight, with a strong focus on accuracy and compliance. Proficient in managing reconciliations, journal entries, and month-end close processes while driving operational efficiency and automation.

Highest-signal resume keywords

Payment ProcessingFinancial ControlsReconciliationsAdvanced Excel SkillsSQL Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

AccountingFinancePayments OperationsMerchant ServicesJournal EntriesMonth-End Close SupportTransaction ReviewTax ComplianceOperational ProceduresData Analysis

Soft Skills

Detail-OrientedStrong JudgmentHighly OrganizedIntegrityAccountability

Tools & Technologies

SQLExcelStripeBraintreePayPalAvalaraTaxJarMicrosoft Dynamics 365NetSuite

Industry Keywords

E-CommerceSaaSDigital GoodsMarketplaceTechnology-Enabled Services

Tech Stack

Tools & technologies

ERPSQL

About the role

Key responsibilities & impact

Own the accounting and operational oversight of Merchant of Record activities across supported brands
Review, validate, and approve high-value transactions and settlements according to approval thresholds and internal controls
Monitor and resolve urgent payment exceptions, including settlement failures, payment holds, chargebacks, and significant refunds
Maintain transaction-level review processes to minimize errors, prevent revenue leakage, and ensure financial accuracy
Serve as the primary liaison for payment processing, settlements, reconciliations, tax compliance, and financial reporting related to MoR operations
Perform and oversee reconciliations between payment platforms, banking activity, operational systems, and the general ledger
Investigate and resolve discrepancies with documented root causes and resolutions
Support month-end close, including journal entries, account reconciliations, and reporting
Improve control processes and identify automation and operational-efficiency opportunities
Ensure accurate sales tax collection, remittance, and reporting across applicable jurisdictions
Manage tax configurations and coordinate with internal and external partners to maintain compliance
Support audits and regulatory inquiries related to payment operations and Merchant of Record activities
Develop, maintain, and enhance accounting policies, operational procedures, and internal controls
Partner with payment providers and external vendors on contractual compliance and operational effectiveness
Implement and maintain statements of work, contracts, and operating requirements with payment vendors
Create and maintain playbooks, standard operating procedures, and process documentation for scalability and knowledge transfer

Requirements

What you’ll need

Bachelor’s degree in Accounting, Finance, Business, or a related field, or equivalent professional experience
Three to seven years of experience in payments operations, merchant services, accounting, finance, or a related field within e-commerce, SaaS, digital goods, marketplace, or technology-enabled services
Strong understanding of payment processing, settlements, merchant accounts, and financial controls
Hands-on experience preparing reconciliations, journal entries, and month-end close support
Advanced Excel skills and experience analyzing large datasets
Working knowledge of SQL and reporting or analytics tools
Exceptionally detail-oriented, with a consistent commitment to accuracy and rigorous transaction review
Strong judgment under time pressure
Ability to maintain compliance, risk management, and financial controls while acting with urgency
Highly organized and capable of managing competing priorities in a rapidly changing environment
Comfortable operating with ambiguity and driving issues through resolution
Demonstrates integrity, accountability, and strong financial stewardship
Applicants must be located in or willing to move to AL, AZ, CA, CO, CT, DE, FL, GA, IL, IN, IA, KY, LA, ME, MD, MA, MI, MS, NE, NV, NJ, NY, NC, OH, OR, PA, SC, TN, TX, UT, VA, WA, or WV
Must be eligible to work in the United States
Cart.com does not sponsor or transfer visas for applicants
Nice to have: prior Merchant of Record experience; experience with Stripe, Braintree, PayPal, or similar; familiarity with Avalara, TaxJar, or comparable systems; ERP experience such as Microsoft Dynamics 365 Business Central or NetSuite; experience developing scalable procedures, automation, and controls

Benefits

Comp & perks

Equal opportunity employer committed to diversity and an inclusive environment
AI-assisted hiring process with human decision-making
Remote work arrangement
Opportunity to work for a fast-growing commerce enablement company
Work with global teams and customers