MoR Finance & Payments Lead

Cart.com; Central City (CO); Remote; USD 85,000 - 125,000; Full time

Job summary

Cart.com is seeking an experienced Merchant of Record (MoR) Accountant to own end-to-end MoR accounting operations. You will ensure payment processing integrity, settlements accuracy, and tax compliance across multiple brands, while maintaining strong financial controls in a fast-growing ecommerce environment.

You will lead reconciliations, assist with month-end close, and drive process improvements with automation to scale the MoR model.

Qualifications

• Bachelor’s degree in Accounting, Finance, Business, or 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.

Responsibilities

• Own the accounting and operational oversight of Merchant of Record activities across supported brands.
• Review, validate, and approve high-value transactions and settlements in accordance with established approval thresholds and internal controls.
• 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.
• Investigate and resolve discrepancies in a timely manner, with clear documentation of root cause and resolution.

Skills

Attention to detail

Decision making under pressure

Financial stewardship

Education

Bachelor’s degree in Accounting, Finance, Business, or related field

Tools

SQL

Excel

ERP systems (Dynamics 365 / NetSuite)

Job description

Cart.com is seeking an experienced Merchant of Record (MoR) Accountant to own end-to-end MoR accounting operations. You will ensure payment processing integrity, settlements accuracy, and tax compliance across multiple brands, while maintaining strong financial controls in a fast-growing ecommerce environment.

You will lead reconciliations, assist with month-end close, and drive process improvements with automation to scale the MoR model.