Business Risk Officer

Mercury; San Francisco, New York, Portland (CA, NY, OR); Híbrido; USD 163.000 - 204.000; Jornada completa

Descripción de la vacante

Mercury is seeking a Business Risk Officer in the San Francisco Bay Area to help scale our product risk framework. You will partner with Product, Operations, Compliance and other teams to ensure safe, sound delivery of features and non-financial risk programs.

You will identify risk gaps, lead risk self-assessments, manage incidents, and develop KPIs to monitor risk, while collaborating across the organization including Legal, Finance and Risk. Prior fintech banking experience is preferred.

Formación

• 5-7+ years of experience in banking, fintech, or financial services in product/business risks or controls, operational risk, or similar roles.
• Familiarity with Governance, Risk and Compliance (GRC) practices and non-financial risk frameworks.
• Curious, growth-oriented, and motivated to work on risk and controls across lifecycle stages (new products, scaling, legacy).
• Strong stakeholder management and ability to influence without direct authority.

Responsabilidades

• Identify potential blind spots in processes and controls and suggest improvements.
• Facilitate pre-launch reviews and new activity initiatives, tracking items to closure.
• Lead risk self-assessments and non-financial risk framework activities.
• Manage incidents and remediations ensuring proper recording and closure.
• Develop KPIs/KRIs to monitor risk with product/process owners.
• Coordinate audits and exams with Product, Operations and other stakeholders.
• Engage with Risk, Compliance, Legal, Finance across initiatives.
• Contribute to enterprise trainings and deliver trainings as needed.

Conocimientos

Risk management

Cross-functional collaboration

Communication

Stakeholder management

Problem solving

AI tools

Herramientas

GRC software

Incident management tools

Data analytics

Descripción del empleo

San Francisco, CA, New York, NY, Portland, OR, or Remote within Canada or United States

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