Senior Data Analyst - Reconciliation

Mercury; United States; Remote; USD 192,000 - 235,000; Full time

Benefits offered by this job

Equity

Benefits

Job summary

Mercury is recruiting a Senior Financial Data Reconciliation Analyst to operationalize and scale reconciliation across banking partners and internal systems. You will lead design through delivery, collaborate with Product, Engineering, Finance, and Banking partners, and mentor junior analysts.

You will own reconciliation standards, investigate edge cases, and build dashboards to surface risks and opportunities across the portfolio.

Qualifications

• 6+ years in fintech or financial services with reconciliation experience.
• Strong SQL and data transformation skills; dbt or equivalent.
• Familiar with banking rails, ACH, wires, and card networks.
• Experience with reconciliation tooling such as Blackline is a plus.

Responsibilities

• Own end-to-end reconciliations for new and existing products and funds flows.
• Develop data transformations, enrichment logic, and matching rules.
• Monitor exceptions, perform root-cause analysis, and implement fixes.
• Build monitoring, alerts, and reporting for reconciliation risks and trends.
• Define requirements for new products/funds flows with cross-functional teams.
• Support month-end close and audit readiness with reconciliation analyses.
• Lead cross-functional initiatives and mentor analysts.

Skills

Advanced SQL

Data pipelines

Reconciliation

Analytical skills

Cross-functional leadership

Mentoring

Audits & regulatory

BI dashboards

Blackline tools

Banking rails knowledge

Tools

dbt

Looker

Tableau

Omni

Excel

Job description

Mercury is building a complete finance stack for startups. We work hard to create the easiest and safest banking* experience possible to simplify entrepreneurs' and business owners' financial lives.

Underneath Mercury's products is a network of banking partners, internal systems, payment rails, and funds flows that enable a powerful, streamlined customer experience. The Financial Data Reconciliation team enables the Mercury system by ensuring end-to-end tracking of transactions across partner banks and internal systems, protecting customer funds through timely, rigorous, and efficient reconciliation. The team owns the full reconciliation lifecycle - from building the data pipelines that transform and enrich transaction data, to matching and investigating exceptions, to reporting on reconciliation health across the business.

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

We're looking for a Senior Financial Data Reconciliation Analyst who will help operationalize, standardize, and scale reconciliation across Mercury's banking partners and internal systems. As a senior member of the team, you'll lead cross-functional initiatives from design through delivery and help other analysts grow. You'll collaborate with internal and external partners to account for, reconcile, and investigate edge cases in the underlying money movements that power Mercury's financial products.

You will:

• Own the design and implementation of end-to-end reconciliations for new and existing products and funds flows, setting standards that other analysts can build against
• Develop and maintain data transformations, enrichment logic, and matching rules that support accurate and scalable reconciliation across internal and external systems
• Monitor and investigate reconciliation exceptions, leading root-cause analysis and coordinating with Product, Engineering, Finance, and banking partners to resolve complex breaks and implement durable fixes
• Build monitoring, alerting, and reporting that surface reconciliation risks, trends, and improvement opportunities across the team's portfolio
• Define reconciliation requirements and technical specifications for new products and funds flows, partnering with Product, Engineering, Data, and Finance early in the design process
• Partner with Accounting to support month-end close and audit readiness by preparing timely reconciliation analyses, summaries, and supporting documentation
• Shape and execute the reconciliation control roadmap, leading cross-functional initiatives and representing the Reconciliation team's perspective as product coverage and operational complexity grow
• Mentor other analysts through hands-on coaching, helping them strengthen their technical and investigative skills

You have:

• 6+ years of experience working with complex transactional and financial data in fintech or financial services, including areas such as reconciliation, settlement, payment operations, and accounting
• Working knowledge of banking payment rails and card networks, such as ACH, wire transfers, RTP, FedNow, Visa, and Mastercard, with an understanding of transaction flows, clearing, settlement, returns, and exception handling
• Advanced SQL skills and hands-on experience developing and maintaining data transformation pipelines (e.g., dbt or similar)
• Strong analytical skills, with a background investigating and resolving complex financial data discrepancies
• Familiarity with enterprise reconciliation or matching tools (e.g., Blackline) or similar platforms
• Experience building monitoring or BI dashboards to communicate operational and financial metrics using tools such as Omni, Looker, or Tableau
• A track record of leading cross-functional initiatives and driving alignment across technical and non-technical partners
• Experience mentoring or developing other analysts, and a genuine interest in helping others grow
• Experience supporting audits, regulatory reporting, or financial-control testing

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.

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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:

$192,300-$235,100 USD

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

$173,100-$211,600 USD

Canadian employees (any location):

$181,700-$222,200 CAD