Senior Risk Investigator - Fraud Incident Management & Partner Response (Fintech)

Location: San Francisco, CA; New York, NY; Portland, OR; or remote within the United States. Other locations: any office or remote.

Salary: $154,200–$192,800 USD for employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area; $138,800–$173,500 USD for employees elsewhere in the United States.

Company

Mercury is a fintech company building a complete financial stack for startups; banking services are provided through partner banks.

What you will do

• Lead fraud incident response across Mercury products, including account takeover, card testing and BIN attacks, mule and ring activity, fraud spikes, and first-party fraud.
• Mobilize cross-functional responders, assess impact, recommend containment and customer actions, and run postmortems tracking root causes, control gaps, owners, and remediation dates.
• Draft incident, audit, regulatory, and partner-bank memos and responses, verifying AI-assisted drafts against source data.
• Coordinate with partner-bank risk, AML, and investigations teams; track requests, commitments, and change-management items.
• Support audit and regulatory observations by validating facts, maintaining evidence and SOPs, and tracking issues through closure.
• Mentor teammates and improve training, scorecards, playbooks, tooling, and reporting with Enablement, QC, Strategy, and Engineering.

Requirements

• 6+ years in fraud investigations, risk operations, or financial crimes at a bank, fintech, or other regulated financial services company, including hands-on investigation of first-party and third-party fraud.
• Experience leading or operating in high-severity fraud incidents, including impact sizing, cross-functional response, decisions with incomplete information, and postmortems.
• Strong writing experience producing precise, defensible incident reports, regulatory or partner-bank memos, or audit responses read by executives or examiners.
• Working knowledge of regulated institutions and direct experience with sponsor or partner banks, regulators, examiners, or auditors.
• Understanding of US payment rails and fraud typologies, including ACH, wires, checks, cards, account takeover, mule accounts, synthetic fraud, and first-party fraud.
• Ability to pull and interpret volume, loss, and rate data using SQL or dashboard tools and explain limitations in the numbers.
• Ability to influence stakeholders across Operations, Strategy, Product, Engineering, Compliance, and Legal without direct reporting authority.
• Strong escalation judgment and ability to make recommendations supported by facts.
• 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, including UAR/SAR support, Reg E error resolution, or card network and NACHA rules.
• Experience with BPO or outsourced operations.
• Familiarity with incident-management tooling and practices, including severity levels, incident command, and written postmortems.
• Continuous improvement or project management experience.
• Experience in a high-growth fintech environment.

Culture & Benefits

• Remote work or work from a Mercury office within the United States.
• 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 is an Equal Employment Opportunity employer and provides reasonable accommodations during recruitment.