Business Risk Officer

Quiet Capital; California (MO); On-site; USD 146,000 - 204,000; Full time

Benefits offered by this job

Competitive salary

Equity

Job summary

Mercury is seeking a Business Risk Officer to scale product risk management across core offerings. You will partner with Product, Operations, Compliance and other teams to ensure safe, sound delivery of features and initiatives.

You will lead non-financial risk programs, drive KPIs/KRIs, and support audits and exams, reporting to Head of Business Risk & Enablement. A growth mindset and strong communication are essential. Experience in fintech risk and governance is required.

Qualifications

• 5–7+ years in banking/fintech product risks or controls.
• Track record balancing risk, compliance, and customer experience.
• Excellent communication to simplify complex concepts.
• Familiarity with Governance, Risk and Compliance (GRC) practices and non-financial risk frameworks.
• Curious, growth-oriented, and motivated to work on risk and controls at all lifecycle stages.
• Proficient with AI tools, or eager to get there.

Responsibilities

• Identify blind spots in processes and controls, and suggest commercial improvements/enhancements.
• Facilitate pre-launch and new activity initiatives/reviews, tracking items to closure and escalating where necessary.
• Facilitate execution of risk self assessments and similar exercises within the non-financial risk frameworks.
• Event/incident, issues, and remediations management - ensuring incidents and issues are recorded and managed through to remediation in line with any and all relevant frameworks in the company.
• Develop and enhance iteratively KPIs/KRIs to be monitored by yourself, product/process owners, and other stakeholders in order to mitigate risk.
• Coordinate interactions and responses between Product and Operations teams vs. other stakeholders for audits, exams and similar reviews (internal and external).
• Engage and partner deeply with stakeholders across the organization including Product, Operations, Risk, Compliance, Legal, Finance, etc.
• Help design / provide feedback on certain enterprise/firm-wide trainings and deliver trainings as needed.

Skills

Risk management

GRC familiarity

Stakeholder mgmt

Communication

AI tools

Product risk

Job description

Mercury is building a complete finance stack for startups. We work hard to create the easiest and safest banking* experience possible to simplify our customer’s financial lives whether they are entrepreneurs, business owners, or individuals. Mercury has also obtained a provisional national bank charter and is currently taking proactive steps for final approval.

Role Overview:

We're looking for a Business Risk Officer to help scale the way Mercury builds products. In this role you will report to our Head of Business Risk & Enablement and will partner with Product, Operations, Compliance and many other support and oversight teams to ensure that products and features are delivered “best-in-class” in a safe and sound manner. Your success in this role will rely on subject matter expertise in one or more of Mercury’s core product offerings and associated risks. You will also be primarily responsible for the facilitation of non-financial risk management programs (see below).

Key Responsibilities:

• Identify any potential blind spots in processes and controls, and suggest commercial improvements/enhancements
• Facilitate pre-launch and new activity initiatives/reviews, tracking items to closure and escalating where/when necessary
• Facilitate execution of risk self assessments and similar exercises within the non-financial risk frameworks
• Event/incident, issues , and remediations management - ensuring that incidents and issues are recorded and managed through to remediation in line with any and all relevant frameworks in the company
• Develop and enhance iteratively KPIs/KRIs to be monitored by yourself, product/process owners, and other stakeholders in order to mitigate risk
• Coordinate interactions and responses between Product and Operations teams vs. other stakeholders for audits, exams and similar reviews (internal and external)
• Engage and partner deeply with stakeholders across the organization including Product, Operations, Risk, Compliance, Legal, Finance, etc.
• Help design / provide feedback on certain enterprise/firm-wide trainings and deliver trainings as needed

Qualifications:

• Have at least 5 - 7+ years of experience in a banking, fintech, or other financial services firms in a product/business, business risks and/or controls, operational risk, or other similar roles
• Track record of balancing risk, compliance, and customer experience in cross-functional settings
• Excellent communication skills to simplify complex business, reg and/or risk concepts into clear explanations and/or recommendations
• Familiarity with Governance, Risk and Compliance (GRC) practices and non-financial risk frameworks
• Curious, growth-oriented, and motivated to work on risk and controls at all lifecycle stages (new product launches, scaling, and legacy optimization)
• Bring a collaborative, problem-solving mindset to your work, have strong stakeholder management skills, and an ability to influence without direct authority
• Approach your work with a high quality bar and a strong sense of ownership - you see things through to completion, knowing when to be pragmatic vs. when not to settle
• Proficient with AI tools, or eager to get there, to drive efficiency in risk and controls work — a growth mindset is enough if you're not an expert day one.

Preferred Qualifications:

• Exposure to product or technology development lifecycles (e.g., involvement in pre-launch reviews, feature rollouts, or cross-functional builds) — doesn't need to be a formal PM background, just familiarity with how products move from idea to launch

*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

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.

#LI-DNI

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: $163,000—$203,800 USD

US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $146,000—$183,400 USD

Canadian employees (any location): $154,100—$192,600 USD