Senior Risk Program Manager – Fraud & Disputes Enablement

🔥 17 hours ago

🌐 United States, Canada – Remote

🇺🇸 United States – Remote 🇨🇦 Canada – Remote

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

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

💵 $138.8k - $173.5k / year

⏰ Full Time

🟠 Senior

📋 Program Manager

🦅 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

• Translate chartered-bank regulatory expectations, including Reg E, card network rules, and examiner standards, into sequenced work plans • Build Bank Charter Readiness programs from zero to one, defining scope, milestones, dependencies, and risks • Maintain audit readiness through current SOPs, traceable decisions, defensible evidence, and clean documentation • Coordinate regulator, auditor, and partner-bank inquiries with Compliance, Legal, and Operations • Own Operational Quality Reviews and Monthly CORs Reviews for Fraud and Disputes • Define and track operational health measures, team goals, and OKRs • Build reporting and dashboards for leadership decision-making • Raise risks, make trade-offs explicit, and drive decisions to closure with cross-functional partners • Analyze quality, productivity, and compliance data across Fraud, Disputes, and Risk UX • Convert findings into process, tooling, and reporting improvements • Route root causes to QC, Learning & Development, and Operations teams and confirm fixes • Establish continuous improvement programs and measure results

🎯 Requirements

• 5+ years of program management experience in risk, compliance, fraud, disputes, or operations at a bank, fintech, or other regulated financial services company • Banking experience, with working knowledge of how a regulated institution runs • Direct experience working with regulators, examiners, auditors, or sponsor banks, such as exam preparation, findings remediation, or regulatory responses • Experience building programs from zero to one, from ambiguous problem to measurable result, with impact beyond the immediate team • 2+ years of experience governing BPO or other outsourced operations, focused on SLAs, performance and quality oversight, escalations, and regular business reviews • Strong understanding of risk operational processes in Fraud and/or Disputes, such as case handling, investigations, chargebacks, or Reg E error resolution • Ability to define metrics, build or interpret dashboards, and explain data meaning • Experience using AI and automation to improve work processes • Nice to have: Lean Six Sigma certification (Green Belt or above) or equivalent continuous improvement experience • Nice to have: ISO quality credentials, such as ISO 9001 Lead Auditor or Implementer, or similar quality management background • Nice to have: PMI certification (PMP, PgMP) or equivalent • Nice to have: Experience with Prosci/ADKAR, ITIL-style incident and problem management, QC program design, workforce management, learning and development, card network dispute rules and platforms, Risk UX, or high-growth environments

🏖️ Benefits

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