Financial Crimes Compliance Modeling & Analytics Manager

Job Summary

Mercury is building a complete finance stack for startups. We work hard to create the easiest and safest banking experience possible to simplify entrepreneurs' and business owners' financial lives. The challenge is to do so while ensuring we protect Mercury, customers, and the broader financial ecosystem from bad actors and harmful, illegal, or unauthorized activities.

About the Role

The BSA/AML & Sanctions compliance team serves as the oversight function for Mercury's overall AML & Sanctions program. As Financial Crimes Compliance Modeling & Analytics Manager, you'll help drive enhancements to Mercury's financial crimes compliance (FCC) detection and screening models and improve the overall FCC framework.

Responsibilities

• Use SQL and other analytical tools to conduct in-depth analysis of Mercury's customers, transactions, alerts, TM rules, risk ratings, and more
• Data-driven methods to improve, design, implement, and maintain Mercury's FCC models, including transaction monitoring, sanctions screening, and relevant models
• Develop bespoke transaction monitoring rules and sanctions screening logic designed to address Mercury's specific AML and sanctions risk
• Partner with Compliance, Product, and Data leaders to translate regulatory requirements into effective analytical frameworks
• Interpret analytics outputs to pinpoint which alerts, patterns, or anomalies signal genuine risk, and articulate why they matter to compliance and business stakeholders
• Develop and maintain detailed documentation on the configuration of FCC models including scenarios, thresholds, segments, tuning, false positive rules, etc., and any changes made to those configurations over time
• Evaluate and tune existing detection models and rules to reduce false positives while maintaining regulatory rigor
• Develop data-driven methods to identify new typologies, emerging risks, and evolving financial crime trends
• Partner with Model Risk Management to support validation and performance monitoring of models to ensure compliance with internal and regulatory standards

Requirements

• Bachelor's degree in a quantitative field (e.g. Computer Science, Engineering, Statistics, Mathematics, or related) with 8+ years of experience conducting in-depth data analytics, ideally with 5+ years in FCC or AML/Sanctions related analytics roles
• Deep understanding of AML and Sanctions fundamentals, including both principles and regulations
• Outstanding skills with standard analytical tools; top-notch SQL skills required, experience with Python or similar preferred, and familiarity with modern ML tooling (e.g. scikit-learn, XGBoost) a plus
• Experience developing, tuning, and maintaining machine learning or rule-based detection models, with an understanding of how to rigorously challenge model performance and limitations
• Experience identifying ways to improve both data-related and operational efficiencies
• A healthy dose of skepticism combined with a constructive, solution-oriented approach
• Comfort operating with ambiguity and capable of synthesizing fragmented technical, operational, and business context into a clear understanding of how models actually work, even without a complete playbook
• Achieve high-leverage work in a fast-moving environment with evolving priorities
• Curiosity about how AI/ML is being applied to financial crime detection, and openness to modern tooling as the function evolves
• Exceptional attention to detail across documentation, testing artifacts, and quantitative analysis
• Strong written and verbal communication skills; you can explain model risk and analytics findings to both technical and non-technical stakeholders

Qualifications

• Exceptional attention to detail across documentation, testing artifacts, and quantitative analysis
• Strong written and verbal communication skills; you can explain model risk and analytics findings to both technical and non-technical stakeholders

Benefits

The total rewards package at Mercury includes base salary, equity (stock options/RSUs), and benefits. Our salary and equity ranges are highly competitive within the SaaS and fintech industry and are updated regularly using the most reliable compensation survey data for our industry. New hire offers are made based on a candidate’s experience, expertise, geographic location, and internal pay equity relative to peers.

Pay

Our salary and equity ranges are highly competitive within the SaaS and fintech industry and are updated regularly using the most reliable compensation survey data for our industry. New hire offers are made based on a candidate’s experience, expertise, geographic location, and internal pay equity relative to peers.

Schedule

Not specified