Senior AML Investigator – FinTech Risk & Transactions

Mercury; Oregon; Hybrid; USD 110,000 - 137,000; Full time

Benefits offered by this job

Equity

Benefits

Competitive pay

Job summary

Mercury is building a complete finance stack for startups. The AML Investigations team detects suspicious activity, conducts in-depth investigations, and drafts Unusual Activity Reports to protect customers and the ecosystem.

The role focuses on bank partner RFIs, transaction monitoring, and case management, growing our capability and processes. As part of the team, you will balance risk with user experience, learn a wide range of business activity, and contribute to automation and scalable

Qualifications

• Experience identifying money laundering, detecting fraud, or financial crimes in banking or fintech.
• Fluent in ACH, check, debit, credit, and wire transfers.
• Familiar with international activity and ownership.
• Strong communication and empathy when interacting with users.
• Ability to write clear documentation.
• Ability to automate processes where possible.

Responsibilities

• Provide input as we implement new transaction monitoring rules and tune existing ones.
• Review AML and other financial crime alerts in our transaction monitoring queue and take action as needed.
• Contact our users for information on their account usage and transactions.
• Work with our partners and internal team members to review and assess information received from users.
• Investigate and respond to RFIs from our Partner Banks, delivering clear AML reviews on customer activity.
• Decide user accounts as needed, including locking or closing accounts.
• Develop an understanding of expected activity for each type of user we work with.
• Document investigative findings and elevate unusual or potentially suspicious activity to our Partners for SAR consideration.
• Develop an unfailing eye for potential fraud or money laundering.
• Investigate tools that would make your job easier.
• Write clear documentation on current processes and help train future teammates.

Skills

Fraud detection

AML

Bank transactions

Empathy

Clear communication

Relationship management

Automation

Problem solving

Customer focus

Curiosity

Job description

Mercury is building a complete finance stack for startups. The AML Investigations team detects suspicious activity, conducts in-depth investigations, and drafts Unusual Activity Reports to protect customers and the ecosystem.

The role focuses on bank partner RFIs, transaction monitoring, and case management, growing our capability and processes. As part of the team, you will balance risk with user experience, learn a wide range of business activity, and contribute to automation and scalable