# Senior Risk Strategist - Fraud

**Company**: Mercury
**Location**: San Francisco, CA, New York, NY, Portland, OR, or Remote within Canada or United States
**Work arrangement**: remote
**Experience**: senior
**Job type**: full-time
**Salary**: $200,700 - $250,900
**Category**: Finance
**Industry**: Fintech

**Apply**: https://job-boards.greenhouse.io/mercury/jobs/6013670004?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_4fca8c69-22e

## Description

We're building a complete finance stack for startups. To enable a stellar banking experience, we need to have a deep understanding of our customers and how they interact with our product. We're looking to hire a fraud strategist to bring deep domain expertise, a relentless drive to execute, and an analytical approach to our Risk Strategy team, driving impact across fraud domains.

Risk Strategy is a hybrid team that combines analytics with thought leadership to identify, assess, and mitigate the financial, regulatory, and reputational risks Mercury faces. The team focuses on data-driven insights and process improvements while ensuring a stellar customer experience that fosters trust in our platform.

As a Senior Risk Strategist focused on fraud, you'll help shape and execute Mercury's fraud strategy across multiple payment rails and fraud types, combining data-driven analysis with strategic problem solving. You'll be a core contributor to Mercury's Personal Banking fraud program build-out while also covering broader Business Banking fraud domains. You'll partner closely with Product, Engineering, Operations, and Compliance to deliver scalable outcomes that enable the business and reduce fraud losses while protecting customer experience.

Key responsibilities include:

- Owning strategy and execution across multiple fraud domains – including ACH, Check Deposits, Checkbooks, RTP, onboarding, and ATO – with a bias toward action and a high bar for results

- Driving Mercury's Personal Banking fraud program build-out, applying consumer fintech expertise to design controls and strategies tailored to consumer account holders

- Using data and quantitative analysis to design fraud controls, mitigate risk, and improve customer experience while balancing trade-offs

- Partnering with Compliance and Legal to ensure solutions align with regulatory requirements

- Leading cross-functional efforts with Product, Engineering, and Operations to design and implement scalable risk solutions

- Serving as a domain expert across fraud types, proactively identifying gaps and driving systemic improvements across fraud programs

- Defining and tracking metrics that measure both risk effectiveness and customer impact

- Taking initiative without waiting to be directed – identifying problems, building the case, and pushing work across the finish line

To succeed in this role, you'll need:

- 6+ years of experience in an analytical role, including 4+ years in fraud detection and strategy – consumer fintech experience strongly preferred

- Proven ability to design and execute fraud strategies across multiple payment rails and fraud types (ACH, checks, RTP, onboarding, ATO, friendly fraud)

- Hands-on experience contributing to consumer / personal banking fraud programs, including familiarity with consumer-specific fraud patterns and regulatory context

- Skilled in customer risk scoring/modeling and process automation

- Strong SQL proficiency and ability to translate data into actionable strategy

- Track record of balancing risk, compliance, and customer experience in cross-functional settings

- Excellent communication skills to simplify complex risk concepts into clear recommendations

- Proven ability to operate in ambiguity and make high-quality decisions with imperfect information

- Highly self-motivated with a strong work ethic

- Curious, growth-oriented, and motivated to work on fraud problems at all lifecycle stages (new product launches, scaling, and legacy optimization)

## Skills

### Required
- fraud detection
- fraud prevention
- risk management
- data analysis
- SQL
- customer risk scoring
- process automation

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Source: [Apply at job-boards.greenhouse.io](https://job-boards.greenhouse.io/mercury/jobs/6013670004?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)