Senior Risk Strategist - Fraud
Overview
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. To enable this stellar banking experience, we need to have a deep understanding of our customers and how they interact with our product.
About the role
We are looking to hire a fraud strategist to bring deep domain expertise, a relentless drive to execute, and an analytical approach to our Risk Strategy team, driving impact across fraud domains. Risk Strategy is a hybrid team that combines analytics with thought leadership to identify, assess, and mitigate the financial, regulatory, and reputational risks Mercury faces. The team focuses on data-driven insights and process improvements while ensuring a stellar customer experience that fosters trust in our platform.
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
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
Education: Bachelor's degree in Computer Science, Statistics, Mathematics, Finance, or a related field
Experience: 6+ years of experience in an analytical role, including 4+ years in fraud detection and strategy – consumer fintech experience strongly preferred
Skills
Data Analysis
Fraud Detection
Customer Experience
Regulatory Compliance
Project Management
Benefits
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.
Pay
US employees (any location): $200,700 - $250,900
Canadian employees (any location): CAD $189,700 - $237,100
Schedule
Full-time