Risk UX Specialist

Mercury; Oregon; Hybrid; USD 68,000 - 77,000; Full time

Job summary

Mercury is seeking a Risk User Experience Specialist to make risk decisions while preserving a best-in-class user experience. You will respond to transaction limit increases, review queued payments and check deposits, and escalate high-risk cases to relevant teams.

This role reports to the Risk UX Lead and works with a high-functioning team to protect Mercury’s ecosystem. Experience in banking or fintech, 2-3 years in risk, and strong communication are essential.

Qualifications

• Experience in banking or fintech environments.
• 2–3 years of risk-related work experience.
• Ability to communicate clearly with users and internal teams.

Responsibilities

• Respond to limit increases from high- and moderate-risk users and review activity to ensure alignment with expected usage.
• Review Overlimit transactions via a dedicated queue, assess history and risk signals, and request docs as needed.
• Review remote check deposits submitted by users using internal tools and third-party systems.
• Handle a high-volume caseload within SLAs with attention to detail.
• Answer risk-related inquiries in mailbox/Slack and coordinate with partners and internal/external parties.
• Partner with the BPO team to provide second opinions on escalated reviews.
• Document rationale and supporting documentation for risk decisions.
• Create process documentation and train new teammates.
• Identify opportunities to improve processes via tooling and procedures.
• Maintain positive user experience while mitigating potential fraud or risk to Mercury.

Skills

Banking/Fintech exp

Risk management

Customer communication

Job description

For the longest time, banking* has only really served one purpose, holding money securely. In doing so, it's also slowed us down and overcomplicated things. That's where Mercury comes in. Banking should do more and we're on a mission to make that happen through powerful banking solutions and simplifying all of the financial workflows that come with managing a business. To accomplish this end, we also need to ensure the trust and safety of our customers, partners and ecosystem. Thankfully, Mercury has a world class Risk team to detect and mitigate any threats. And this team is growing. We're looking to bring on a Risk User Experience Specialist to make risk decisions in response to risk-related user inquiries, all while providing best-in-class user experiences.As a Risk User Experience Specialist, you'll be responsible for responding to transaction limit request increases, making risk decisions on queued payments and check deposits, and leveraging your general risk knowledge to elevate unusual or high risk behavior to relevant teams. You'll be responsible for providing great user experiences to Mercury users while making highly efficient and high quality risk assessments. You will report directly to the Risk User Experience Lead and will be supported by a highly functional team.* Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

Schedule Information:

Required: This position requires you to be able to work on the weekends in addition to weekdays

• This position will be full time working Sunday - Thursday shift, with standard working hours (8am-5pm local time)
• Your working schedule will be fixed - this is not a rotating shift

Here are some things you'll do on the job:

• Respond to limit request increases from high and moderate risk users, while reviewing account and transactional activity, to determine if aligned with expected account usage
• Review Overlimit transactions through a dedicated queue, evaluating account history and risk signals, and requesting supporting documentation as needed, to approve or reject within required cutoff times
• Review and decision remote check deposits submitted by users utilizing internal tools, and third party systems
• Manage a high-volume caseload within service level agreements and with critical attention to detail
• Respond to Risk support requests in the mailbox and Slack channels, related to limit increases, and other account operations inquiries from financial partners, users, or other internal/external parties
• Partner with our BPO team by providing second opinions and exception guidance on escalated reviews for both check deposits and overlimit transactions
• Document rationale for risk decisions with supporting documentation
• Write clear documentation on current processes and help train future teammates
• Identify opportunities to make processes more observable, scalable, and efficient through tooling changes and procedure updates
• Maintain a positive user experience, while mitigating any potential fraud loss or risk to Mercury

You should:

• Have experience working in banking, fintech, or other financial services
• Have 2-3 years of experience working in the risk space
• Have product sense and knowledge of banking products (e.g., ACH, International Wires, SWIFT, checks, and debit card)
• Exercise empathy and understanding when communicating with users
• Manage relationships with external parties with confidence and kindness
• Act as a generalist by assessing various types of risk when making decisions
• Work with efficiency and focus
• Write with clarity and purpose
• Prioritize requests and keep track of follow-ups
• Love problem solving and making teams, products, and processes more efficient

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:$75,900—$85,400 USDUS employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area:$68,300—$76,900 USD