Risk UX Specialist

Mercury; San Francisco, New York, Portland (CA, NY, OR); Hybrid; USD 76,000 - 85,000; Full time

Job summary

Mercury is seeking a Risk User Experience Specialist to make risk decisions while delivering best-in-class user experiences. This full-time role requires weekend work (Sunday–Thursday, 8am–5pm local) with a fixed schedule and is eligible for remote work within the United States.

You will review risk-related inquiries, assess limit increases, and manage risk queues. The role emphasizes documenting decisions, cross-functional collaboration, and improving processes for efficiency and user

Qualifications

• 2–3 years of experience working in risk within financial services.
• Experience making risk decisions and communicating with users.
• Understanding of banking products (ACH, International Wires, SWIFT, checks, and debit cards).
• Ability to document rationale and train teammates.

Responsibilities

• Respond to limit increase requests from high- and moderate-risk users and review activity to determine acceptable usage.
• Review overlimit transactions and approve/reject within cutoff times with supporting docs.
• Review remote check deposits submitted by users using internal tools and third-party systems.
• Manage a high-volume caseload with adherence to SLAs and attention to detail.
• Respond to risk support requests via mailbox and channels from partners, users, or stakeholders.
• Collaborate with BPO team to provide second opinions on escalations for deposits and limits.
• Document rationale for risk decisions with supporting evidence.
• Create process documentation and help train future teammates.
• Identify opportunities to improve observability, scalability, and efficiency through tooling and procedures.
• Maintain positive user experience while mitigating fraud risk for Mercury.

Skills

Risk management

User experience

Banking knowledge

Communication skills

Empathy

Job description

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

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.

* 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 USD

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

$68,300 - $76,900 USD