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About the Role
As a Product Manager for Fraud, you will build products that enable Mercury to master fraud prevention tools, balancing customer experience with risk mitigation. You will develop a deep understanding of customers, accounts, and money movement products to build systems that protect customers and Mercury from fraud. You will collaborate cross-functionally to create products for end users and internal risk teams, ensuring a seamless and safe banking experience.
Responsibilities
- Shape the strategy and roadmap for fraud prevention across your area, from account integrity or money movement to the decisions, controls, and experiences that protect customers
- Design and execute on the strategic vision to mitigate fraud and improve risk experience at Mercury - including holds, limit structures, step-up verification, and related friction points
- Craft user journeys that apply appropriate friction based on risk signals while minimizing disruption to good users
- Build operational and platform tooling to enable our risk and support teams to efficiently manage case volume, exceptions and high-touch cases
- Partner with data science to develop, deploy, and continuously improve ML models
- Establish and track metrics that measure both risk effectiveness, operational, and customer experience impact
- Support the development of Mercury's risk capabilities to scale across our expanding product suite
Requirements
- 7+ years of relevant product management experience, including experience within fraud or risk in banking or fintech environments
- Deep customer empathy and understanding of how risk friction impacts user experience, growth and retention
- Experience working with complex automated decisioning systems, rules, ML models, real-time data pipelines
- Proficiency with analytics. An ability to understand performance or rules and ML models, trade-offs with precision/recall and translate understanding into actionable insights and priorities for your teams
- Strong track record of cross-functional leadership, particularly in navigating tradeoffs between risk, compliance, and customer experience priorities
- Exceptional communication skills that allow you to translate complex risk concepts into actionable product strategies
- Comfort with ambiguity and ability to make balanced decisions with imperfect information
Skills
- Product Management
- Fraud Prevention
- Risk Management
- Fintech
- Automated Decisioning Systems
- ML Models
- Real-time Data Pipelines
- Analytics
- Cross-functional Leadership
- Communication
Location
- US employees (any location)
- Canadian employees (any location)
Work Type
- Any location
Experience Level
- 7+ years of relevant product management experience
Salary/Compensations
- $200,700—$250,900 USD (US employees)
- $189,700—$237,100 CAD (Canadian employees)
Benefits
- Base salary
- Equity (stock options/RSUs)
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.
Equal Opportunity
- Mercury values diversity & belonging and is proud to be an Equal Employment Opportunity employer. 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.