[Remote] Senior Sanctions Investigator at Mercury

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

3+ years in sanctions/financial crimes investigations at a bank/fintech or consulting/regulatory environment, including complex case ownership
Demonstrated experience with OFAC (and ideally EU/UK regimes) and familiarity with export controls concepts (EAR/ITAR, dual-use risk, end-use/end-user diligence)
Strong investigative toolkit: open-source research, link analysis, adverse-media assessment, and ownership/beneficial-ownership tracing
Clear, concise writing; ability to draft decision memos and procedures that stand up to audit/exam review
Bias for action and sound judgment under time pressure; comfortable balancing risk mitigation with great customer experience
Collaborative style - able to partner with Legal, Product, Engineering, and Risk to ship improvements
ACAMS, CFCS, ACSS/CGSS certification
Understanding of common payment and funds transfer methods and networks, their functioning and their liability rules such as card networks, ACH network, check processing, P2P, wire transfers, etc
Experience designing or enhancing export controls workflows in an operations setting

Responsibilities

Own high-risk investigations end-to-end across onboarding and ongoing monitoring, including sanctions, PEP/adverse media, and complex cross-border payment reviews
Build and mature program controls for sanctions and export controls (e.g., dual-use risk identification, escalation pathways, documentation standards, runbooks)
Lead ad-hoc sanctions operations projects that improve accuracy, speed, and customer experience - process redesigns, playbooks, QC frameworks, and tooling requirements
Work the queues: Triage and resolve screening and transaction alerts with strong judgment; craft clear RFIs and make defendable decisions (clear, reject, block, escalate)
Serve as a subject-matter expert to Compliance, Onboarding, Support, Product, and Legal; advise on edge cases, new product flows, and control coverage
Improve detection quality by partnering with data/engineering on rules tuning, scenarios, and metrics; contribute to testing and model/threshold reviews
Elevate team capability: Mentor investigators, deliver training, and perform quality assurance reviews with actionable feedback
Regulatory-ready documentation: Maintain crisp case notes, decision rationales, and evidence; support audits, exams, and internal reviews
Reporting & obligations: Support required sanctions reporting (e.g., blocked property reports) and internal risk memos as needed

Skills

Key technologies and capabilities for this role

Sanctions InvestigationsExport ControlsPEP ScreeningAdverse Media ScreeningTransaction MonitoringWatchlist ScreeningCross-Border PaymentsRisk AssessmentProcess DesignQuality ControlEscalation PathwaysRunbooks

Questions & Answers

Common questions about this position

What experience is required for the Senior Sanctions Investigator role?

Candidates need 3+ years in sanctions/financial crimes investigations at a bank/fintech or consulting/regulatory environment, including complex case ownership, demonstrated experience with OFAC (and ideally EU/UK regimes), and familiarity with export controls concepts like EAR/ITAR and dual-use risk.

What are the main responsibilities of this position?

Responsibilities include owning high-risk investigations end-to-end, building program controls for sanctions and export controls, leading ad-hoc projects, triaging alerts, serving as a subject-matter expert, improving detection quality, mentoring investigators, maintaining documentation, and supporting reporting.

Is this role remote or does it require office work?

This information is not specified in the job description.

What is the salary or compensation for this position?

This information is not specified in the job description.

What makes a strong candidate for this role at Mercury?

A strong candidate has 3+ years of sanctions/financial crimes experience with complex case ownership, expertise in OFAC and export controls, and a strong investigative toolkit including open-source research, along with the ability to balance risk detection with excellent user experience.

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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