KYC Investigator - Ongoing Due Diligence

Triwill Group; San Francisco, Northern (CA, KY); Hybrid; USD 86,000 - 96,000; Full time

Job summary

Mercury is seeking a detail-oriented professional to join its Ongoing Due Diligence team. You will conduct reviews of existing accounts to ensure regulatory compliance and support BPO partners across CIP, CDD and EDD.

In a fast-paced, queue-driven environment, you will identify trends, record decision rationales, and escalate issues to management. Strong written communication and an ability to work independently are essential.

Qualifications

• Strong understanding of regulatory requirements.
• Self-starter who thrives in a fast-paced environment.
• Ability to work autonomously and manage a queue-based workload.
• Excellent written communication and attention to detail.
• Experience in risk, banking, compliance, AML, fraud or regulatory roles.

Responsibilities

• Perform KYC Refresh and/or Enhanced Due Diligence reviews.
• Identify trends to reduce unnecessary review volumes.
• Support BPO partners with escalations tied to CIP, CDD & EDD.
• Communicate with stakeholders and customers.
• Document rationale after account review to maintain or exit decisions.
• Flag potential issues to management.
• Keep accurate records of all reviews.

Skills

Regulatory knowledge

KYC/CDD/EDD knowledge

Risk and compliance background

Attention to detail

Written communication skills

Self-starter, fast-paced

Job description

Mercury is the fintech startups use for banking* and all their financial workflows. This turns out to be a pretty wild endeavor, so we’re looking to bring someone smart onto our Ongoing Due Diligence (ODD) team to help us out. We are seeking a detail-oriented and experienced individual with a background in either risk, banking, compliance, AML, fraud or regulatory to assist our ODD team. In this role, you will be responsible for conducting thorough reviews of existing accounts to ensure compliance with regulatory requirements and providing support for our BPO partners.

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

As part of the journey, we would expect you to:

• Conduct KYC Refresh and/or Enhanced Due Diligence Reviews as needed
• Identify opportunities to reduce unnecessary volumes through trends and themes associated to reviews conducted
• Support our BPO partners with escalations tied to various review types tied to CIP, CDD & EDD
• Communicate effectively with various stakeholders and customers
• After account review, document rationale to maintain or exit decisions on customer accounts
• Identify and elevate any potential issues or concerns to management
• Maintain accurate and up-to-date records of all reviews conducted

Some things that might make you successful in a role like this:

• Have a strong understanding of regulatory requirements
• Be a highly motivated self-starter, comfortable working within a fast paced environment
• Work efficiently and independently, but know when to ask for help
• Enjoy and have experience working autonomously in a queue based role, understanding how to prioritize your work and keep an organized, clean inbox and queue
• Place an emphasis on quality - paying very close attention to detail to keep bad actors out and ensure we’re letting good customers in
• Have great critical thinking skills and enjoy problem solving
• Have great written communication skills

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.

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:

$85,500 — $96,200 USD

US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area:

$77,000 — $86,600 USD

Canadian employees (any location):

$80,800 — $90,900 CAD