Merchant of Record - Accountant

Job Description:

Who We Are:

We’re Cart.com, one of the fastest growing commerce enablement companies in the world. We provide the digital and physical infrastructure that empowers thousands of leading B2C, B2B and public sector organizations to unify commerce operations from product discovery to product delivery.

We’re building toward a world where commerce has no bounds. Our enterprise-grade software, services and logistics infrastructure, including our own network of omnichannel fulfillment and distribution centers, enable merchants to navigate an increasingly complex operating landscape and drive efficient growth.

Our goal is to be the global backbone of commerce. To achieve it, we’re looking for entrepreneurial, innovative and determined teammates who are eager to help our growing base of customers simplify their commerce operations and seamlessly reach their own customers, wherever they are. Sound like you? We’d love to hear from you.

Cart.com Fast Facts:

• 6,000+ customers worldwide

• 1,600+ employees globally

• 17 warehouses nationwide, totaling over 10 million square feet of space

• Headquartered in Houston, TX with international offices in Mexico and Poland

Our values:

Cart.com is building a company that is committed to living out these 6 core values:

• Be brand obsessed: Our lives are shaped by the brands we interact with daily. We obsess over the brands we serve, and about the things they care about.
• Think beyond the box: “We’ve always done it that way” is not a phrase uttered often at our office. We create creative solutions to complex problems.
• Don’t give up: We learn from our challenges and see them for what they are; great building blocks to an amazing brand story.
• Speak up: We communicate clearly and directly because we care deeply. Communication is the bedrock of our community.
• Work together: We’ve built a team that prides itself on diversity of thought and background. Collaboration is better with contrast.
• Remember to be human: We work hard, but we leave room for the people, places and things that we love.

AI is part of how we work. It’s not doing the hiring.

We'll use AI in parts of our process and we think you should feel free to use it too — for research, prep, whatever helps. But our interviews exist to meet you, not your best AI-assisted draft. Real people make every call here. Any questions about how this works, just ask.

Remote:

This position is open to applicants or individuals who are 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, WV.

The Role:  

The Merchant of Record (MoR) Accountant will provide end-to-end ownership of Cart.com’s Merchant of Record accounting operations. This role is responsible for the integrity and accuracy of payment processing, settlements, tax compliance, financial reconciliations, and operational controls across MoR brands.

The ideal candidate is highly detail-oriented, thrives in a fast-paced environment, and combines strong accounting fundamentals with payments operations expertise. This individual will serve as the primary accounting and operational owner of the MoR process, helping scale the business while maintaining robust financial controls and compliance standards.

What You’ll Do:

Merchant of Record Operations & Financial Oversight

• 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.

Reconciliations & Financial Controls

• 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.
• Support month-end close activities, including journal entries, account reconciliations, and reporting.
• Continuously improve control processes and identify opportunities for automation and operational efficiency.

Tax & Compliance

• 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.

Process Improvement & Documentation

• Develop, maintain, and enhance accounting policies, operational procedures, and internal controls.
• Partner with payment providers and external vendors to support 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 to support scalability and knowledge transfer.

Who You Are:

• Exceptionally detail-oriented, with a consistent commitment to accuracy and rigorous transaction review.

• A sound decision-maker who exercises strong judgment under time pressure.

• Able to act with urgency while maintaining compliance, risk management, and financial controls.

• 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.

What You’ve Done:

• 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.

Nice to Haves: 

• Prior experience supporting or operating a Merchant of Record model or managing MoR vendors and platforms.

• 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 Microsoft Dynamics 365 Business Central, NetSuite, or similar applications.

• Experience developing scalable procedures, automation, and controls within a high-growth/fast paced environment.

Currently, Cart.com does not intend to hire candidates who will need, now or in the future, Cart.com sponsorship through any non-immigrant visa category such as the H-1B, H-1B1, E-3, O-1, or TN.

All hiring is contingent on eligibility to work in the United States. We are unable to sponsor or transfer visas for applicants.

#LI-CS1

Cart.com is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.