Senior Risk Investigator – Fraud Incident Management, Partner Response

Job not on LinkedIn

🔥 20 minutes ago

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

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

💵 $138.8k - $192.8k / year

⏰ Full Time

🟠 Senior

🚨 AML and Financial Crime

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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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

• Own fraud incident response from detection through postmortem across first-party and third-party fraud • Act as incident lead or operational DRI for fraud incidents across Mercury products, including account takeover, card testing and BIN attacks, mule and ring activity, fraud spikes, and first-party fraud trends • Mobilize incident response, size impact, coordinate Fraud Investigations, Enablement, Strategy, Product, and Engineering, and maintain alignment on ownership and facts • Recommend containment, customer communication, reimbursement and credit decisions, account actions, and escalation • Run postmortems and retrospectives, documenting root causes, control gaps, remediation owners, dates, and status • Identify incident patterns and convert them into durable fixes in alerts, rules, SOPs, product or tooling changes, and training • Draft incident and retrospective memos for bank partners and internal risk governance • Use AI tools to create initial drafts from raw incident data and verify numbers and claims against source data • Prepare responses to partner-bank questions, suspicious activity and investigation inquiries, and information requests • Serve as day-to-day operational contact for partner-bank risk, AML, and investigations teams • Track partner requests, commitments, and change-management items and ensure timely, consistent responses • Incorporate partner feedback into Fraud Operations, Strategy, and Product controls and processes • Support audit and regulatory responses by validating accuracy, providing program context, challenging inaccurate ratings or facts, and agreeing action plans • Maintain current evidence, SOPs, and decision records • Track governance issues through closure and confirm fixes worked • Mentor teammates on escalation practices • Feed incident learnings into training, scorecards, and playbooks • Partner with Strategy and Engineering on tooling and reporting to accelerate incident response

🎯 Requirements

• 6+ years of experience in fraud investigations, risk operations, or financial crimes at a bank, fintech, or other regulated financial services company • 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 • Experience sizing impact, driving cross-functional response, making decisions with incomplete information, and running postmortems • Strong writing and track record producing precise, defensible incident reports, regulatory or partner-bank memos, or audit responses • Working knowledge of how a regulated institution runs • Direct experience working with sponsor or partner banks, regulators, examiners, or auditors • Solid understanding of US payment rails and fraud typologies, including ACH, wires, checks, cards, account takeover, mule accounts, and synthetic or first-party fraud • Ability to pull and interpret volume, loss, and rate data using SQL or dashboard tools • Ability to influence cross-functional stakeholders and drive decisions to closure • Good judgment on escalation • Experience using AI and automation to synthesize evidence, draft documents, summarize incidents, and maintain status reporting • Nice to have: sponsor-bank or bank-partner fraud experience, BPO or outsourced operations, incident management tooling and practices, continuous improvement or project management, and high-growth fintech experience

🏖️ Benefits

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

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