Senior Risk Strategist – Fraud

🔥 0 minutes ago

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

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

💵 $200.7k - $250.9k / year

⏰ Full Time

🟠 Senior

🎲 Risk

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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

• Own strategy and execution across multiple fraud domains – including ACH, Check Deposits, Checkbooks, RTP, onboarding, and ATO – with a bias toward action and a high bar for results • Drive Mercury’s Personal Banking fraud program build-out, applying consumer fintech expertise to design controls and strategies tailored to consumer account holders • Use data and quantitative analysis to design fraud controls, mitigate risk, and improve customer experience while balancing trade-offs • Partner with Compliance and Legal to ensure solutions align with regulatory requirements • Lead cross-functional efforts with Product, Engineering, and Operations to design and implement scalable risk solutions • Serve as a domain expert across fraud types, proactively identifying gaps and driving systemic improvements across fraud programs • Define and track metrics that measure both risk effectiveness and customer impact • Take initiative without waiting to be directed – identify problems, build the case, and push work across the finish line

🎯 Requirements

• 6+ years of experience in an analytical role, including 4+ years in fraud detection and strategy – consumer fintech experience strongly preferred • Proven ability to design and execute fraud strategies across multiple payment rails and fraud types (ACH, checks, RTP, onboarding, ATO, friendly fraud) • Hands-on experience contributing to consumer / personal banking fraud programs, including familiarity with consumer-specific fraud patterns and regulatory context • Skilled in customer risk scoring/modeling and process automation • Strong SQL proficiency and ability to translate data into actionable strategy • Track record of balancing risk, compliance, and customer experience in cross-functional settings • Excellent communication skills to simplify complex risk concepts into clear recommendations • Proven ability to operate in ambiguity and make high-quality decisions with imperfect information • Highly self-motivated with a strong work ethic • Curious, growth-oriented, and motivated to work on fraud problems at all lifecycle stages (new product launches, scaling, and legacy optimization)

🏖️ Benefits

• The total rewards package includes base salary, equity, and benefits.