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About the Role
Lead independent second-line oversight of Mercury’s liquidity, interest-rate, funding, investment, and related balance-sheet risks. This role requires a blend of quantitative analysis, strategic judgment, and executive communication, serving as a key leader within Mercury’s Enterprise Risk team.
Responsibilities
- Lead Mercury’s second-line framework for identifying, measuring, monitoring, and reporting liquidity, interest-rate, funding, investment, and related market risks.
- Serve as the primary independent Risk partner to Treasury and Finance, providing constructive challenge of balance-sheet strategy, liquidity management, funding plans, investment activity, and hedging decisions.
- Help develop and maintain financial-risk policies, risk-appetite measures, limits, key risk indicators, management triggers, and escalation standards.
- Help oversee liquidity-risk monitoring, stress testing, and contingency funding, including independent assessment of deposit behavior, funding concentrations, liquidity buffers, collateral, and contingent funding capacity.
- Evaluate interest-rate risk and challenge key modeling assumptions, including net interest income and economic value sensitivity, deposit betas, decay rates, repricing behavior, duration, and basis risk.
- Help assess the financial-risk implications of new products, rapid growth, market disruption, changes in customer behavior, and developments involving financial partners.
- Partner with Model Risk Management, Enterprise Risk, Credit Risk, and Data teams to oversee models, data quality, risk assessments, issue management, and reporting infrastructure.
- Support bank-partner oversight, audits, independent reviews, and regulatory examinations while monitoring relevant market and regulatory developments.
- Build scalable financial-risk capabilities by improving automation, scenario analysis, early-warning indicators, governance, and executive risk visibility.
Requirements
- Have 12+ years of experience in liquidity risk, interest-rate risk, treasury risk, market risk, asset-liability management, or broader financial-risk management.
- Bring meaningful experience in an independent second-line role at a regulated bank, financial institution, fintech, or similarly complex financial-services company.
- Have deep knowledge of liquidity, funding, stress testing, contingency funding, and interest-rate risk measurement, including net interest income and economic value sensitivity.
- Have experience challenging Treasury strategies, models, and assumptions while building a trusted and productive working relationship.
- Understand risk appetite, limits, escalation processes, and executive- and Board-level risk reporting.
- Translate quantitative analysis into clear risk judgments and practical recommendations for technical and nontechnical audiences.
- Exercise strong independent judgment while navigating ambiguity, collaborating across functions, and building frameworks that can scale.
Location
- US employees in New York City
- US employees in Los Angeles
- US employees in Seattle
- US employees in the San Francisco Bay Area
- US employees outside of New York City
- US employees outside of Los Angeles
- US employees outside of Seattle
- US employees outside of the San Francisco Bay Area
Work Type
- Full-time
Experience Level
- 12+ years of experience
Salary/Compensations
- $252,000—$315,600 USD
- $227,300—$284,000 USD
Benefits
- Base salary
- Equity (stock options/RSUs)
- Benefits
About the Company
- Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
- Mercury values diversity & belonging and is proud to be an Equal Employment Opportunity employer.
Equal Opportunity
- All individuals seeking employment at Mercury are considered without regard to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, sexual orientation, or any other legally protected characteristic.
- We are committed to providing reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs. If you need assistance, or an accommodation, please let your recruiter know once you are contacted about a role.