Banking for startups: mercury.com
Senior Risk Strategist – Fraud
Location
California + 2 moreAll locations: California | New York | Oregon
Posted
41 days ago
Salary
$200.7K - $250.9K / year
Seniority
Senior
Job Description
Senior Risk Strategist – Fraud
Mercury
• 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
Job 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.
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