Bank Charter & Risk Programs Lead

Risk Hub; San Francisco, New York, Portland (CA, NY, OR); Hybrid; USD 154,000 - 193,000; Full time

Job summary

Mercury is building a complete financial stack for startups. This generalist program management role leads Bank Charter Readiness across Fraud, Disputes, and Risk UX, running operating reviews and tracking goals to show leadership how these areas perform.

You will collaborate with Risk Operations, Compliance, Risk Product, Engineering, Risk Strategy, and Vendor Management while leveraging AI to work smarter.

Qualifications

• 5+ years of program management experience in risk, compliance, fraud, disputes, or operations at a bank, fintech, or other regulated financial services company.
• Banking experience, with working knowledge of how a regulated institution runs, and direct experience working with regulators, examiners, auditors, or sponsor banks (for example exam preparation, findings remediation, or regulatory responses).
• A record of building programs from zero to one, from ambiguous problem to measurable result, with impact beyond your immediate team.
• 2+ years of experience governing BPO or other outsourced operations, with a focus on governance: SLAs, performance and quality oversight, escalations, and regular business reviews.
• Strong understanding of risk operational processes in Fraud and/or Disputes, such as case handling, investigations, chargebacks, or Reg E error resolution.
• Comfort with data: you can define metrics, build or interpret dashboards, and explain what the numbers mean.
• Experience using AI and automation to improve how work gets done, for example synthesizing evidence and documentation, drafting and maintaining SOPs, analyzing QC and vendor data, summarizing incidents, and automating status reporting.

Responsibilities

• Lead Bank Charter Readiness: Translate regulatory expectations into clear, sequenced work plans; build programs from zero to one; keep teams audit-ready with current SOPs and defensible evidence; coordinate regulator/auditor inquiries with Compliance, Legal, and Operations.
• Lead Goal tracking, and Reporting for Fraud & Disputes: Own cadence of Operational Quality Reviews and Monthly CORs; define and track ops health measures and OKRs; build dashboards and reporting from scratch; raise risks and drive decisions to closure with non-reporting partners.
• Use data for continuous improvement: Analyze quality, productivity, and compliance data to identify patterns; implement durable process, tooling, and reporting improvements; route root causes to the right teams and measure results; stand up new programs from zero to one.

Skills

Program management

Risk & compliance

Fraud & disputes operations

Data-driven decision making

AI & automation

Vendor governance

Root cause analysis

Leadership experience

Job description

Mercury is building a complete financial stack for startups. This generalist program management role leads Bank Charter Readiness across Fraud, Disputes, and Risk UX, running operating reviews and tracking goals to show leadership how these areas perform.

You will collaborate with Risk Operations, Compliance, Risk Product, Engineering, Risk Strategy, and Vendor Management while leveraging AI to work smarter.