Risk UX Specialist
银行业*在最长的时间里只能真正服务于一个目的，就是保持钱安全。这样做也让我们放缓和过度复杂的事情。这就是星进入了市场。银行业应该通过强大的银行解决方案来做更多的工作，并简化管理企业的所有财务工作流程。为了实现这一目标，我们还需要确保客户，合作伙伴和生态系统的信任和安全。幸运的是，星拥有世界级风险团队可以检测和减轻任何威胁。这个团队正在增长。我们希望聘请一个风险用户体验专家来做出风险决策，以响应与风险相关的用户询问，同时提供最好的用户体验。作为风险用户经验专家，你将负责对交易限额要求增加作出反应，在排列付款和支票存款上做出风險决定，并利用你的一般风险知识使有关团队加剧异常或高风险行为。你将负责为水星用户提供优质的用户体验，同时进行高效和高质量的风险评估。你将直接报告给风险用户体验领导，并会得到一个高度功能化的团队的支持。*水星是一个金融科技公司，而不是 FDIC 保险银行。通过 Choice Financial Group 和 Column N.A.,FDIC 成员提供银行服务。时间表信息：要求：本职位需要你能够在周末除了平日之外工作 ·本职位将是全时工作星期天 - 木曜日班，标准工作时间 （8:00-5:00当地时间）·你的工作时间将固定 - 这不是轮换班以下一些事情你要做的工作：· 审查与预期账户使用是否一致的帐户和交易活动，同时应对高风险和中等风险用户的限制要求增加。· 评估通过专用队列进行过度限制交易，评估帐户历史记录和风险信号，并根据需要请求支持文件，在所需的截止时间内批准或拒绝。· 审查和决定内部工具和第三方系统使用者提交的远程检查存款。· 在服务水平协议范围内管理大量案例负载，并且高度关注细节。· 对邮箱和 Slack 道中的风险支持请求作出回复，有关于限额增长，
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For the longest time, banking* has only really served one purpose, holding money securely. In doing so, it’s also slowed us down and overcomplicated things. That’s where Mercury comes in. Banking should do more and we’re on a mission to make that happen through powerful banking solutions and simplifying all of the financial workflows that come with managing a business. To accomplish this end, we also need to ensure the trust and safety of our customers, partners and ecosystem. Thankfully, Mercury has a world class Risk team to detect and mitigate any threats. And this team is growing. We’re looking to bring on a Risk User Experience Specialist to make risk decisions in response to risk-related user inquiries, all while providing best-in-class user experiences.
As a Risk User Experience Specialist, you’ll be responsible for responding to transaction limit request increases, making risk decisions on queued payments and check deposits, and leveraging your general risk knowledge to escalate unusual or high risk behavior to relevant teams. You’ll be responsible for providing great user experiences to Mercury users while making highly efficient and high quality risk assessments. You will report directly to the Risk User Experience Lead and will be supported by a highly functional team.
*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
Schedule Information:
Required: This position requires you to be able to work on the weekends in addition to weekdays
- This position will be full time working Sunday - Thursday shift, with standard working hours (8am-5pm local time)
- Your working schedule will be fixed - this is not a rotating shift
Here are some things you’ll do on the job:
- Respond to limit request increases from high and moderate risk users, while reviewing account and transactional activity, to determine if aligned with expected account usage
- Review Overlimit transactions through a dedicated queue, evaluating account history and risk signals, and requesting supporting documentation as needed, to approve or reject within required cutoff times
- Review and decision remote check deposits submitted by users utilizing internal tools, and third party systems
- Manage a high-volume caseload within service level agreements and with critical attention to detail
- Respond to Risk support requests in the mailbox and Slack channels, related to limit increases, and other account operations inquiries from financial partners, users, or other internal/external parties
- Partner with our BPO team by providing second opinions and exception guidance on escalated reviews for both check deposits and overlimit transactions
- Document rationale for risk decisions with supporting documentation
- Write clear documentation on current processes and help train future teammates
- Identify opportunities to make processes more observable, scalable, and efficient through tooling changes and procedure updates
- Maintain a positive user experience, while mitigating any potential fraud loss or risk to Mercury
You should:
- Have experience working in banking, fintech, or other financial services
- Have 2-3 years of experience working in the risk space
- Have product sense and knowledge of banking products (e.g., ACH, International Wires, SWIFT, checks, and debit card)
- Exercise empathy and understanding when communicating with users
- Manage relationships with external parties with confidence and kindness
- Act as a generalist by assessing various types of risk when making decisions
- Work with efficiency and focus
- Write with clarity and purpose
- Prioritize requests and keep track of follow-ups
- Love problem solving and making teams, products, and processes more efficient
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:
$75,900—$85,400 USD
US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area:
$68,300—$76,900 USD