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About the Role
Mercury is building a complete financial stack for startups, and Risk is how we protect our customers, Mercury, and the broader financial ecosystem. This role makes sure that when something goes wrong, or when a regulator or bank partner asks hard questions, we respond quickly, consistently, and with evidence.
Responsibilities
- Lead fraud incident management
- Act as incident lead or operational DRI for fraud incidents across all Mercury products
- Mobilize incident response, size impact, pull the right people, and keep everyone aligned
- Make or tee up decisions with a recommendation attached
- Run postmortems and retros for first-party and third-party fraud incidents
- Spot patterns across incidents and turn them into durable fixes
- Draft incident and retro memos for bank partners and internal risk governance
- Use AI tools to get from raw incident data to a strong first draft quickly
- Prepare accurate, concise responses to partner-bank questions, suspicious activity and investigation inquiries, and requests for information
- Be a day-to-day operational point of contact for partner-bank risk, AML, and investigations teams
- Track open partner requests, commitments, and change-management items
- Bring partner feedback and expectations back to Fraud Operations, Strategy, and Product
- Be Fraud Operations support for audit and regulatory observations
- Keep evidence, SOPs, and decision records current
- Track issues through governance systems in partnership with Enablement until closure
- Mentor teammates on how to escalate
- Work with Enablement and QC to feed incident learnings into training, scorecards, and playbooks
- Partner with Strategy and Engineering on tooling and reporting that make incident response faster
Requirements
- 6+ years of experience in fraud investigations, risk operations, or financial crimes at a bank, fintech, or other regulated financial services company, including hands-on investigation of both first-party and third-party fraud
- Experience leading or serving as a key operator in fraud incidents or similar high-severity events
- Strong writing skills with a track record of producing precise, defensible reports, memos, or responses
- Working knowledge of how a regulated institution runs, with direct experience working with sponsor or partner banks, regulators, examiners, or auditors
- Solid understanding of US payment rails and fraud typologies
- Comfort with data: ability to pull and interpret volume, loss, and rate data and explain findings
- Proven ability to influence people who don't report to you and drive decisions to closure across departments
- Good judgment on escalation: bring a recommendation with the facts
- Experience using AI and automation to synthesize evidence, draft documents, summarize incidents, and keep status reporting current
Skills
- Fraud investigations
- Risk operations
- Financial crimes
- Incident management
- Data analysis
- SQL
- AI tools
- Communication
- Influencing
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, Los Angeles, Seattle, or the San Francisco Bay Area
Work Type
- Full-time
Experience Level
- Senior
Salary/Compensations
- US employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $154,200—$192,800 USD
- US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $138,800—$173,500 USD
Benefits
- Base salary
- Equity (stock options/RSUs)
About the Company
- Mercury is building a complete financial stack for startups.
- 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.