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Westerners will no doubt find it difficult to believe that there is a "Lord of KARMA". Suffice it to say there are reasons for such resistance that are deeply engrained in Western thinking. But, if the typical Westerner will simply replace the word "Lord" with the term Satan, then the Westerner will understand who it is that keeps track of his actions.

And, every action other than a Spiritual action (an action that is done without any attachment at all) is a KARMIC action, and thus, subject to the action-reaction law.

The problem with thinking of the Lord of KARMA as Satan is.... the work of the Lord of KARMA is neither good nor bad, but simply part of the "experiencing" process of life, which is a necessary part of Spiritual evolution.