Senior Risk & Fraud Programs Lead

Mercury; San Francisco, New York, Portland (CA, NY, OR); Hybrid; USD 154,000 - 193,000; Full time

Job summary

Mercury, a fintech company in the San Francisco Bay Area, seeks a seasoned program manager to lead Bank Charter Readiness across Fraud, Disputes and Risk UX. You will build programs from zero to one, drive OKRs, dashboards, and ongoing improvements with cross-functional partners, using data to inform decisions and leveraging AI to automate status reporting.

You will work with Risk Operations, Compliance, Engineering, Legal, and Vendor Management to ensure audit-readiness and regulatory alignment

Qualifications

• 5+ years of program management experience in risk, compliance, fraud, disputes, or operations at a bank, fintech, or other regulated financial services company.
• Banking experience with working knowledge of how a regulated institution runs, and direct experience with regulators, examiners, auditors, or sponsor banks.
• Record of building programs from zero to one with measurable impact beyond the immediate team.
• 2+ years governing BPO or outsourced operations with governance, SLAs, quality oversight, and regular business reviews.
• Strong understanding of risk operational processes in Fraud and/or Disputes, such as case handling, investigations, chargebacks, or Reg E resolution.
• Comfort with data: can define metrics, build dashboards, and explain numbers.
• Experience using AI and automation to improve work, including synthesizing evidence, drafting SOPs, and automating status reporting.

Responsibilities

• Translate regulatory expectations into clear work plans owned by the right teams.
• Build Bank Charter Readiness programs from zero to one and report progress to executives.
• Keep teams audit-ready with current SOPs, traceable decisions, and defensible evidence.
• Coordinate responses to regulator, auditor, and partner-bank inquiries with Compliance, Legal, and Operations.
• Own cadence and content of Operational Quality Reviews and Monthly CORs for Fraud and Disputes.
• Define and track ops health measures and team goals, including OKRs.
• Build dashboards and reporting for leadership decision-making.
• Raise risks early, drive decisions to closure with cross-functional partners.

Job description

Mercury, a fintech company in the San Francisco Bay Area, seeks a seasoned program manager to lead Bank Charter Readiness across Fraud, Disputes and Risk UX. You will build programs from zero to one, drive OKRs, dashboards, and ongoing improvements with cross-functional partners, using data to inform decisions and leveraging AI to automate status reporting.

You will work with Risk Operations, Compliance, Engineering, Legal, and Vendor Management to ensure audit-readiness and regulatory alignment