Merchant of Record Accounting & Payments Specialist (Remote)

Cart.com; Virginia; Remote; USD 90,000 - 130,000; Full time

Job summary

Cart.com in the United States seeks a Merchant of Record Accountant to own end-to-end MoR accounting across brands. You will ensure payment processing integrity, settlements, tax compliance, financial reconciliations, and strong internal controls.

The ideal candidate has 3–7 years in payments operations or finance, plus advanced Excel and SQL skills, reconciliations, and month‑end close experience; familiarity with ERP systems like NetSuite or Dynamics is a plus.

Qualifications

• Bachelor's degree in Accounting, Finance, Business, or related field, or equivalent experience.
• 3–7 years of experience in payments operations, merchant services, accounting, finance, or related field in e-commerce/SaaS/tech.
• 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/analytics tools.
• Prior experience with Merchant of Record model or managing MoR vendors.
• Experience with payment platforms such as Stripe, Braintree, PayPal, or similar providers.
• Familiarity with tax automation solutions such as Avalara, TaxJar, or comparable systems.
• Experience with ERP platforms such as NetSuite or Microsoft Dynamics 365 Business Central.

Responsibilities

• Own the accounting and operational oversight of Merchant of Record activities across supported brands.
• Monitor and resolve urgent payment exceptions, including settlement failures, payment holds, chargebacks, and significant refunds.
• Maintain rigorous 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.
• Support month-end close activities, including journal entries, account reconciliations, and reporting.
• Ensure accurate sales tax collection, remittance, and reporting across applicable jurisdictions.
• Develop, maintain, and enhance accounting policies, procedures, and internal controls.

Skills

Payment processing

Financial controls

Reconciliations

Excel

SQL

Analytics tools

MoR experience

Payments platforms

Tax automation

ERP systems

Education

Bachelor's degree in Accounting/Finance/Business

Tools

Stripe

Braintree

PayPal

Avalara

TaxJar

NetSuite

Microsoft Dynamics 365 Business Central

Job description

Cart.com in the United States seeks a Merchant of Record Accountant to own end-to-end MoR accounting across brands. You will ensure payment processing integrity, settlements, tax compliance, financial reconciliations, and strong internal controls.

The ideal candidate has 3–7 years in payments operations or finance, plus advanced Excel and SQL skills, reconciliations, and month‑end close experience; familiarity with ERP systems like NetSuite or Dynamics is a plus.