Risk UX Designer - Fintech Payments & Trust

Mercury; United States; Remote; USD 70,000 - 110,000; Full time

Job summary

Mercury is seeking a Risk User Experience Specialist to enhance risk decisions and user experiences for business banking services. You will respond to limit increases, review queued payments and check deposits, and escalate high-risk behavior as needed, while maintaining strong user-focused service metrics.

Reporting to the Risk User Experience Lead, you will work with a capable team to ensure efficient risk assessments and clear communication with customers, partners, and internal stakeholders.

Qualifications

• Experience in risk assessment and decisioning.
• Strong ability to manage high-volume caseload with attention to detail.
• Excellent communication for documentation and training.

Responsibilities

• Respond to limit increases for high/moderate risk users after reviewing account activity.
• Review overlimit transactions and request supporting docs to decide within cutoff times.
• Review and decide on remote check deposits using internal tools and third-party systems.
• Manage a high-volume caseload within service level agreements with precision.
• Respond to Risk support requests via mailbox and Slack about limit increases and inquiries from partners/users.
• Collaborate with BPO team to provide second opinions on escalated reviews for deposits and overlimit transactions.
• Document rationale for risk decisions with supporting docs.
• Create clear documentation on processes and train new teammates.
• Identify opportunities to improve processes through tooling changes.

Job description

Mercury is seeking a Risk User Experience Specialist to enhance risk decisions and user experiences for business banking services. You will respond to limit increases, review queued payments and check deposits, and escalate high-risk behavior as needed, while maintaining strong user-focused service metrics.

Reporting to the Risk User Experience Lead, you will work with a capable team to ensure efficient risk assessments and clear communication with customers, partners, and internal stakeholders.