Senior Risk Strategist - Fraud

Responsibilities

• 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

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)

Qualifications

Preferred Qualifications:

• Master's degree in Finance, Statistics, Data Science, Computer Science, or a related field
• Experience with fraud prevention technologies and tools
• Knowledge of financial regulations and compliance standards

Skills

• Data analysis and modeling
• SQL and data manipulation
• Customer risk management
• Strategic problem-solving
• Collaboration and teamwork
• Communication and presentation skills

Benefits

Mercury offers a comprehensive benefits package including health insurance, retirement plans, and paid time off.

Pay

The total rewards package at Mercury includes base salary, equity, 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.

Schedule

Full-time position available.