Risk UX Specialist (Fintech)

Location: San Francisco, CA; New York, NY; Portland, OR; or remote within the United States. Full-time Sunday–Thursday schedule, 8am–5pm local time, with weekend work required and a fixed, non-rotating shift.

Salary: $75,900–$85,400 USD for employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area; $68,300–$76,900 USD for employees elsewhere in the United States.

Company

Mercury is a fintech company developing banking solutions and financial workflows for businesses, with a focus on customer, partner, and ecosystem trust and safety.

What you will do

• Review transaction limit increase requests by analyzing account and transactional activity.
• Evaluate overlimit payments and remote check deposits using internal tools and third-party systems, approving or rejecting them within required cutoff times.
• Manage a high-volume caseload within service-level agreements while maintaining attention to detail and a positive user experience.
• Respond to risk support requests from financial partners, users, and internal or external stakeholders.
• Provide second opinions and exception guidance to the BPO team on escalated check deposit and overlimit reviews.
• Document risk decisions, improve procedures and tooling, and help train future teammates.

Requirements

• Experience in banking, fintech, or other financial services.
• 2–3 years of experience in risk.
• Product sense and knowledge of banking products, including ACH, international wires, SWIFT, checks, and debit cards.
• Empathy and understanding when communicating with users.
• Confidence and kindness when managing relationships with external parties.
• Ability to assess various types of risk as a generalist and make sound decisions.
• Efficiency, focus, clear writing, prioritization, and follow-through.
• Interest in problem-solving and making teams, products, and processes more efficient.

Culture & Benefits

• Base salary, equity through stock options or RSUs, and benefits.
• Commitment to diversity, belonging, equal employment opportunity, and reasonable accommodations.
• Work is performed on a fixed Sunday–Thursday schedule with standard local working hours.