AML Investigator III (Fintech)

Location: San Francisco, New York, Portland, or remote within the United States

Salary: $121,700–$152,100 USD for employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area; $109,500–$136,900 USD for employees elsewhere in the United States.

Company

Mercury is a fintech company building a complete finance stack and banking experience for startups and business owners.

What you will do

• Review AML and financial crime alerts in transaction-monitoring queues and take appropriate action.
• Investigate customer activity and respond to Requests for Information from partner banks.
• Contact users, assess account and transaction information, and make account decisions, including locking or closing accounts.
• Document findings and escalate unusual or potentially suspicious activity to partners for SAR consideration.
• Help implement and tune transaction-monitoring rules and develop risk-based monitoring practices.
• Improve case-management tools and processes, investigate automation opportunities, and document procedures for future teammates.

Requirements

• Experience identifying money laundering, fraud, or other financial-crime behavior in banking, fintech, or financial services.
• Experience with vendor and internally developed transaction-monitoring rules.
• Fluency in banking transactions, including ACH, checks, debit cards, credit cards, and domestic and international wire transfers.
• Understanding of business banking, international activity, and ownership structures.
• Clear written and verbal communication, strong organization, efficient problem-solving, and confident relationship management.
• Must be based in the United States for this role.

Culture & Benefits

• Remote work is available within the United States, alongside office-based options.
• Total rewards include base salary, equity through stock options or RSUs, and benefits.
• Compensation is adjusted based on experience, expertise, geographic location, and internal pay equity.
• Mercury supports diversity, belonging, and reasonable accommodations throughout the recruitment process.