Risk UX Specialist

🔥 13 hours ago

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

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

💵 $68.3k - $85.4k / year

⏰ Full Time

🟢 Junior

🟡 Mid-level

🎨 Product Designer (UI/UX)

🚫👨‍🎓 No degree required

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 0%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Mercury

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2017

💳 Fintech

🏦 Banking

☁️ SaaS

Fintech • Banking • SaaS

Mercury is a software-driven fintech that provides business and personal banking products built for startups and small to mid-size companies. Its platform offers business checking and savings, Treasury products, business credit cards and spend management, payments and invoicing, accounting integrations and AI-powered automations, plus APIs and developer tools. Mercury partners with FDIC-insured banks to offer deposit protection, emphasizes virtual cards, granular spend controls, and workflow automations for teams, agencies, ecommerce brands, VC funds, and crypto businesses. The product is positioned as an all-in-one banking and finance platform delivered through a modern app and API.

📋 Description

• Respond to transaction limit increase requests from high- and moderate-risk users by reviewing account and transactional activity • Review overlimit transactions, evaluate account history and risk signals, request supporting documentation, and approve or reject within cutoff times • Review and make decisions on remote check deposits using internal tools and third-party systems • Manage a high-volume caseload within service level agreements • Respond to Risk support requests in mailbox and Slack channels regarding limit increases and account operations inquiries • Partner with the BPO team by providing second opinions and exception guidance on escalated check deposit and overlimit transaction reviews • Document rationale for risk decisions with supporting documentation • Write process documentation and help train future teammates • Identify tooling and procedure improvements to make processes more observable, scalable, and efficient • Maintain a positive user experience while mitigating fraud loss and risk to Mercury • Report directly to the Risk User Experience Lead

🎯 Requirements

• Experience working in banking, fintech, or other financial services • 2-3 years of experience working in the risk space • Product sense and knowledge of banking products, including ACH, International Wires, SWIFT, checks, and debit cards • Ability to work weekends in addition to weekdays • Ability to work a fixed Sunday–Thursday schedule • Ability to work standard hours of 8am–5pm local time • Empathy and understanding when communicating with users • Ability to manage relationships with external parties with confidence and kindness • Ability to assess various types of risk when making decisions • Ability to work with efficiency and focus • Clear and purposeful writing • Ability to prioritize requests and track follow-ups • Problem-solving ability and interest in improving teams, products, and processes • Commitment to working in the United States, as the role is listed for San Francisco, New York, Portland, or remote within the United States

🏖️ Benefits

• Base salary • Equity (stock options/RSUs) • Benefits • Reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs