Senior Software Engineer – Risk, AI & Automation

🕒 January 15

🏄 California, New York, +1 more states – Remote

🏄 California – Remote 🗽 New York – Remote 🌲 Oregon – Remote

💵 $200.7k - $250.9k / year

⏰ Full Time

🟠 Senior

🧑‍💻 Full-stack Engineer

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Mercury

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2019

💳 Fintech

💸 Finance

☁️ SaaS

Fintech • Finance • SaaS

Mercury is a financial technology company that provides online business banking services, although it is not a bank itself. It partners with FDIC-insured banks like Choice Financial Group, Column N. A. , and Evolve Bank & Trust to offer banking services. Mercury aims to simplify financial operations for startups and businesses by offering a range of services including checking and savings accounts, treasury management, corporate cards, expense management, invoicing, and accounting automations. The platform is designed to streamline various banking tasks and enhance financial workflows with features like fraud monitoring and account security. It also offers investment opportunities through its Mercury Treasury product and startup support through its Mercury Raise platform.

📋 Description

• Drive AI Product Development in Risk: You’ll help shape the architecture and implementation of AI-powered risk systems—from application approvals to ongoing and enhanced due diligence—turning messy, ambiguous signals into clear outcomes. • Collaborate Across Functions: You’ll partner with Product, Design, Risk Strategy, Compliance, and Operations to translate evolving regulatory and operational needs into elegant, resilient software. • Lead Projects End-to-End: Drive technical projects from concept to production across the stack. • Craftsmanship: Write clear, testable, and maintainable code. • Drive Quality & Scalability: Design extensible platform systems that create leverage, make balanced decisions on tech debt, plan careful rollouts, and own the quality of your work through post-launch monitoring. • Operational Excellence: Model a strong culture of operational excellence, holding a high bar for observability, reliability, and incident response. • Think Product, Not Just Code: Approach problems with a product mindset.

🎯 Requirements

• 5+ years of software engineering experience, preferably in Payments or Risk. • Agentic AI expertise—you’ve built and launched applied Agentic AI products that have had strong business impact, shipping them from 0→1 and scaling 1→10 in production environments. • Proven success building large-scale distributed systems, ideally involving 3rd party integrations and decision automation. • A mindset that balances urgency with craftsmanship: shipping fast, without cutting corners on quality engineering. • A track record of raising the bar for quality and operational excellence, balancing shipping speed with technical excellence and observability. • Creativity and adaptability — you think beyond the obvious and find solutions that move both product and business forward. • Strong communication and leadership skills—you can inspire other engineers and articulate tradeoffs to influence decisions across teams. • Experience with or curiosity about KYC, AML, risk, or compliance systems in financial services or fintech.

🏖️ Benefits

• Competitive salary • Equity • Health insurance • Professional development opportunities