高级KYC调查员 - 持续尽职调查
Senior KYC Investigator - Ongoing Due Diligence
Mercury 是金融科技初创公司用于银行*和所有财务流程的工具。这是一项相当复杂的任务，因此我们希望将一位优秀的人才加入我们的持续尽职调查（ODD）团队来帮助我们。我们正在寻找一位思维缜密、注重细节的高级风险调查员加入我们的团队。
在这个职位上，你将支持加强ODD的KYC风险计划和控制措施的战略举措，同时确保遵守既定的政策、程序和监管标准。你将帮助优化现有的操作流程，并开发新的KYC/EDD控制措施，以支持即将推出的产品和流程。
此外，你还将与跨职能团队紧密合作，通过实施自动化、引入新控制措施和构建可扩展的解决方案，推动Mercury KYC计划的发展，提高运营效率的同时减少客户摩擦。该职位直接向ODD KYC主管汇报，并由一个高度协作且经验丰富的风险团队支持。
*Mercury 是一家金融科技公司，不是FDIC承保的银行。银行业务由Choice Financial Group 和 Column N.A. 提供，均为FDIC成员。
以下是你在工作中将要做的事情：
- 领导新操作流程的开发和实施，创建全面的流程以支持BPO外包和执行
- 与合规、BSA、产品、风险策略及其他团队跨职能合作，增强Mercury的持续尽职调查计划，通过数据和技术提高运营效率
- 持续改进和标准化各种KYC流程的桌面操作规程，以提高运营效率、准确性和监管合规性
- 在需要时支持复杂的KYC刷新及相关流程案例，确保准确一致的执行
- 通过提出自动清除逻辑，识别减少不必要的案件数量的机会
- 维护和优化指标仪表盘，以监控控制表现、补救状态和运营有效性
你需要具备：
- 3-5年与KYC、风险调查、反洗钱或制裁相关的经验
- 2年以上构建项目或流程的经验
- 是一个高度自律的主动型人才，能够在高风险环境中在较少监督下工作
- 对金融服务（或其他高度监管的）环境有深入理解
- 有管理面向客户的队列的经验
查看英文原文
Mercury is the fintech startups use for banking* and all their financial workflows. This turns out to be a pretty wild endeavor, so we’re looking to bring someone sharp onto our Ongoing Due Diligence (ODD) team to help us out. We are seeking a thoughtful and detail-oriented Senior Risk Investigator to join our team.
In this role, you will support strategic initiatives that strengthen ODD’s KYC risk program and controls while ensuring adherence to established policies, procedures, and regulatory standards. You will help enhance existing operational workflows and develop new KYC/EDD controls to support upcoming product launches and processes.
Additionally, you will also partner closely with cross-functional teams to evolve Mercury’s KYC program by implementing automation, introducing new controls, and building scalable solutions that improve operational efficiency while minimizing customer friction. This role reports directly to the ODD KYC Lead and is supported by a highly collaborative and experienced Risk team.
*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
Here are some things you’ll do on the job:
- Lead the development and implementation of new operational processes, creating comprehensive procedures to support BPO outsourcing and execution
- Partner cross-functionally with Compliance, BSA, Product, Risk Strategy, and other teams to enhance Mercury's ongoing due diligence program and drive operational efficiency through data and technology
- Continuously refine and standardize desktop procedures for various KYC workflows to improve operational efficiency, accuracy, and regulatory compliance
- Support complex KYC Refresh and related workflow cases as needed to ensure accurate and consistent execution
- Identify opportunities to reduce unnecessary case volume by proposing auto-clearing logic
- Maintain and enhance metric dashboards to monitor control performance, remediation status, and operational effectiveness
You should:
- Have 3 - 5 years of experience related to KYC, Risk Investigations, AML, or Sanctions
- Have 2+ years of experience building programs or processes
- Be a highly motivated self-starter, comfortable working within a high risk environment under minimal supervision
- Have a strong understanding of Financial Services (or any other highly regulated) environments
- Have experience in managing customer-facing queues to support excessive caseloads and/or handle customer escalations as required
- Have experience with KYC Verification Software (such as Alloy, MidDesk, Socure, etc)
- Love problem solving and making teams, products, and processes more efficient
- Be curious about the US banking system, startups, and ecommerce companies
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 in New York City, Los Angeles, Seattle, or the San Francisco Bay Area:
$106,200—$132,800 USD
US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area:
$95,600—$119,500 USD
Canadian employees (any location):
$100,400—$125,500 CAD