资深软件工程师 - 欺诈
Staff Software Engineer - Fraud
每个申请Mercury的新企业都像夜空中新出现的星星。单独来看，它只是一点光亮。但当我们仔细观察，就会发现模式——来自合作伙伴、文件、创始人和财务历史的数据痕迹——所有这些都相互连接，形成更大的星系。
这正是Mercury风险产品工程团队所做的。我们引导数千个企业申请通过我们的系统——每一个都是独特的，都需要顺利且值得信赖的落地。挑战在于，在不牺牲安全性的前提下，保持快速运转。每天，我们的工作帮助创始人开设第一个账户，启动下一个想法，并像火箭一样加速增长。
我们的使命是构建智能、自动化的系统和运营工具，使这一切成为可能——让机器学习、人工智能和人类判断无缝协作，为下一代企业银行服务提供动力。我们利用智能提前检测风险，自信地做出实时决策，并实现即时、愉悦的账户审批，以跟上我们所服务的创业者们的步伐。
当我们做得正确时，结果就是安静的卓越：体验起来毫不费力的开户流程，尽管它背后是由无数数据、精准和关怀支撑的。
我们正在寻找一名资深软件工程师，参与构建使一切成为可能的系统和工具——从申请审批到持续和增强的尽职调查——确保每个加入Mercury的企业既安全又拥有愉悦的体验。
作为该职位的一部分，您将：
- 领导支持多个欺诈预防用例的核心系统的架构、实现和长期路线图。
- 负责大型跨职能项目的端到端交付，将模糊的高影响力问题转化为策略和执行，做出务实的权衡，并推动团队达成可衡量的结果。
- 设计、构建和运维高可用、低延迟的后端系统，为欺诈预防提供实时评分和决策能力。
- 与数据科学和机器学习团队合作，将模型投入生产，构建可靠的机器学习数据流水线，并实现实时模型服务。
- 建立并提升部门级别的最佳实践，审查设计方案，推动工程品质，并在架构权衡方面担任可信的顾问。
- 指导和培养工程师，通过撰写、1对1沟通和团队会议分享技术方向和记录学习成果。
- 在多个利益相关方之间导航并产生影响
查看英文原文
Every new business that applies to Mercury is like a new star appearing in the night sky. On its own, it’s a single point of light. But when we look closer, patterns emerge—data trails from partners, filings, founders, and financial histories—all connecting to form a larger constellation.
That’s what our Risk product engineering teams do at Mercury. We guide thousands of business applications through our systems—each one unique, each one needing a smooth and trustworthy landing. The challenge: keep everything moving fast without compromising safety. Every day, our work helps founders open their first account, launch their next idea, and accelerate their growth like rocketships.
Our mission is to build the intelligent, automated systems and operational tools that make this possible—where machine learning, AI, and human judgment work seamlessly together to power the next generation of business banking*. We use intelligence to detect risks earlier, make real-time decisions with confidence, and enable instant, delightful account approvals that keep pace with the builders we serve.
When we do it right, the result is quiet brilliance: onboarding that feels effortless, even though it’s powered by galaxies of data, precision, and care.
We’re looking for a Staff Software Engineer to contribute with building the systems and tools that make it all happen—from application approvals to ongoing and enhanced due diligence—ensuring every business that joins Mercury is both safe and their experience is delightful.
As part of this role, you will:
- Lead the architecture, implementation, and long-term roadmap for core systems which support multiple fraud prevention use cases.
- Own the end-to-end delivery of large cross-function projects, translating ambiguous high impact problems into strategy and execution, make pragmatic tradeoffs, and drive teams to measurable outcomes.
- Design, build, and operate highly available, low-latency, backend systems that enable real-time scoring and decisioning for fraud prevention.
- Partner with Data Science and ML teams to productionize models, build reliable ML data pipelines, and enable real-time model serving.
- Establish and elevate department level best practices, review designs, drive engineering quality, and act as a trusted advisor on architectural tradeoffs.
- Mentor and grow engineers, documenting learnings and sharing technical direction through writing, 1:1s, and team meetings
- Navigate and influence multiple stakeholders, help align teams, communicate tradeoffs to technical and non-technical partners, and independently resolve cross team issues.
The ideal candidate for the role:
- Has 7-10+ years of software development experience, with a strong focus on the backend, with a knowledge of or excitement to learn Haskell.
- Has been an experienced technical lead making architectural decisions in the past and seen the impact of those decisions over time. You should be able to clearly articulate your technical opinions and lay out tradeoffs.
- Is passionately product-minded and has experience building and shipping new products balancing reliability and velocity.
- Is someone comfortable driving discussions in areas with ambiguous ownership, approaches them with empathy, and delights in getting outcomes. Our work touches many other teams and areas of the product; you’ll have a lot of autonomy and the expectation is you’ll use that to seek out ways to have an impact.
- Is ridiculously helpful, taking initiative to make your coworkers’ lives easier by investing time to mentor and proactively share your knowledge and learnings through writings, 1:1s, and team meetings.
- Experience in fintech, fraud systems, or the broader risk domain is a strong plus.
If this role interests you, we invite you to explore our public demo at personal-demo.mercury.com.
*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
Mercury values diversity & belonging and is proud to be an Equal Employment Opportunity employer. All individuals seeking employment at Mercury are considered without regard to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, sexual orientation, or any other legally protected characteristic. We are committed to providing reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs. If you need assistance, or an accommodation, please let your recruiter know once you are contacted about a role.
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Total Rewards
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.
Our target new hire base salary ranges for this role are the following:
US employees (any location):
$200,700—$298,800 USD
Canadian employees (any location):
$189,700—$282,400 CAD