Senior Risk Investigator - AML

New York, New York, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial ServicesIndustries

Requirements

Candidates should have experience in identifying money laundering, detecting fraud, or other financial crimes through transaction monitoring rules in banking, fintech, or financial services. Fluency in various bank transaction types (ACH, check, debit card, credit card, wire transfers) and familiarity with international activity and business banking are essential. Strong communication, problem-solving, and organizational skills are also required, along with a curiosity for the US banking system, startups, and e-commerce.

Responsibilities

The Senior Risk Investigator will provide input on transaction monitoring rules, review and action AML and financial crime alerts, and contact users for transaction information. Responsibilities include assessing information from users and partners, making decisions on user accounts, documenting investigative findings, escalating suspicious activity for SAR consideration, and conducting enhanced due diligence reviews. The role also involves investigating tools to improve efficiency, documenting processes, and training future teammates.

Skills

AML

Transaction Monitoring

Financial Crime Investigations

Case Management

Unusual Activity Reports

Risk Management

Attention to Detail

Mercury

Banking services for startups and founders

About Mercury

Mercury provides banking services specifically designed for startups, regardless of their size or stage of development. Their offerings include free checking and savings accounts, debit and credit cards, and options for domestic and international wire transfers, as well as treasury and venture debt services. The platform is user-friendly, allowing founders to manage their finances with ease. What sets Mercury apart from traditional banks is its focus on the startup community, offering programs that connect founders with valuable resources and advice to help them succeed. The goal of Mercury is to empower startups by providing them with the financial tools and support they need to grow and thrive.

San Francisco, CaliforniaHeadquarters

2017Year Founded

$146.8MTotal Funding

DEBTCompany Stage

Fintech, Financial ServicesIndustries

1,001-5,000Employees

Benefits

Health, dental, & vision

Custom equipment setup

401(K) matching

12+ weeks paid parental leave

Book budget

Wellness benefits

Grocery budget

Paid lunch

Personalized callsign

Unlimited vacation policy (with mandatory minimum)

Risks

Mercury's decision to stop serving certain countries may lead to customer loss.

Integration challenges from the Teal acquisition could disrupt services.

Expansion into consumer banking might divert focus from core startup services.

Differentiation

Mercury offers both business and personal banking services, unlike many fintech competitors.

The company provides integrated financial management tools, enhancing startup operational efficiency.

Mercury's Raise program connects startups with investors, mentors, and other founders.

Upsides

Mercury secured a $100 million credit warehouse to expand its credit card business.

The acquisition of Teal enhances Mercury's financial management offerings for startups.

Mercury Personal expands market reach by attracting tech-savvy individuals.

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