高级风险策略师 - 欺诈
Senior Risk Strategist - Fraud
Mercury正在为初创公司构建完整的金融系统。我们努力创造最便捷、最安全的银行体验，以简化企业家和企业主的财务生活。为了实现这一卓越的银行体验，我们需要深入了解我们的客户以及他们如何与我们的产品互动。我们正在寻找一位欺诈策略专家加入我们的风险策略团队，带来深厚的领域专业知识、执着的执行力以及分析性的方法，推动欺诈各个领域的影响力。
风险策略是一个结合分析与思想领导力的混合型团队，旨在识别、评估并缓解Mercury所面临的财务、监管和声誉风险。该团队专注于数据驱动的洞察和流程改进，同时确保卓越的客户体验，增强客户对我们的平台的信任。
作为专注于欺诈的高级风险策略师，你将帮助制定和执行Mercury在多种支付渠道和欺诈类型上的欺诈策略，结合数据驱动的分析与战略问题解决能力。你将成为Mercury个人银行业务欺诈项目构建的核心成员，同时也涵盖更广泛的商业银行业务欺诈领域。你将与产品、工程、运营和合规团队紧密合作，交付可扩展的成果，支持业务发展，减少欺诈损失，同时保护客户体验。
*Mercury是一家金融科技公司，不是FDIC承保的银行。银行服务通过Choice Financial Group和Column N.A.提供，均为FDIC成员。
在这一过程中，我们期望你：
- 在多个欺诈领域（包括ACH、支票存款、支票簿、RTP、注册和账户接管）中负责策略和执行，具有行动导向，并设定高标准的结果
- 推动Mercury个人银行业务欺诈项目的构建，运用消费者金融科技的专业知识，设计针对消费者账户持有人的控制措施和策略
- 利用数据和定量分析来设计欺诈控制措施，降低风险，提升客户体验，同时平衡各种权衡
- 与合规和法务团队合作，确保解决方案符合监管要求
- 领导与产品、工程和运营团队的跨职能协作，设计和实施可扩展的风险解决方案
- 在各类欺诈领域担任专家，主动识别漏洞，并推动欺诈项目中的系统性改进
- 定义并跟踪衡量风险有效性的指标
查看英文原文
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. 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.
As a Senior Risk Strategist focused on fraud, you’ll help shape and execute Mercury’s fraud strategy across multiple payment rails and fraud types, combining data-driven analysis with strategic problem solving. You’ll be a core contributor to Mercury’s Personal Banking fraud program build-out while also covering broader Business Banking fraud domains. You’ll partner closely with Product, Engineering, Operations, and Compliance to deliver scalable outcomes that enable the business and reduce fraud losses while protecting customer experience.
*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
As part of the journey, we would expect you to:
- 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
Some things that might make you successful in a role like this:
- 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)
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—$250,900 USD
Canadian employees (any location):
$189,700—$237,100 CAD