Senior Fraud Risk Manager
Earnest$180,000 - $217,000/year
Full Time
Senior (5 to 8 years), Junior (1 to 2 years)
Not SpecifiedCompensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Fintech, Financial ServicesIndustries
Requirements
- 6+ years of experience in an analytical role, including 4+ years in fraud, trust and safety, or a related risk function (startup or fintech experience a plus)
- Proven ability to design and execute fraud strategies across domains (e.g., onboarding, card, ACH, checks, ATO, friendly fraud)
- 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
- Comfortable operating in ambiguity and making decisions with imperfect information
- Curious, growth-oriented, and motivated to work on fraud problems at all lifecycle stages (new product launches, scaling, and legacy optimization)
Responsibilities
- Drive strategy and execution across multiple fraud domains (onboarding, card, non-card, ATO)
- 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
- Collaborate with Product, Engineering, and Operations to design and implement scalable risk solutions
- Build domain expertise, identify gaps, and proactively optimize fraud processes
- Define and track metrics that measure both risk effectiveness and customer impact
Skills
Key technologies and capabilities for this role
Questions & Answers
Common questions about this position
What is the compensation for the Senior Risk Strategist role?
The total rewards package includes base salary, equity, and benefits.
Is this role remote or does it require office work?
This information is not specified in the job description.
What skills are required for this position?
Required skills include 6+ years in analytical roles with 4+ years in fraud or risk, proven fraud strategy execution across domains, customer risk scoring and process automation, strong SQL proficiency, and excellent communication skills.
What is the company culture like at Mercury?
The Risk Strategy team is hybrid, combining analytics with thought leadership, focusing on data-driven insights, process improvements, and ensuring a stellar customer experience while mitigating risks.
What makes a strong candidate for this role?
Strong candidates have a track record of balancing risk, compliance, and customer experience in cross-functional settings, comfort operating in ambiguity, and a curious, growth-oriented mindset for fraud problems across lifecycle stages.
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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