Senior Risk Analyst

San Francisco, CA, New York, NY, Portland, OR, or Remote within Canada or United States Mercury is building a complete finance stack for startups. We work hard to create the simplest and safest banking experience possible to simplify entrepreneurs' and business owners’ financial lives. To enable this stellar banking experience, we need to have a deep understanding of our customers and how they interact with our product. We are looking to hire a card strategist to bring deep domain expertise and an analytical approach to our Risk Strategy team, driving impact in this crucial space. 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 card fraud, you’ll own and shape Mercury’s card fraud and dispute strategies, combining data-driven analysis with strategic problem solving. 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. *Mercury is a fintech company, not an FDIC‑insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. Responsibilities Own strategy and execution for card fraud, while also contributing to broader fraud strategy across adjacent domains Use data and quantitative analysis to design fraud controls, mitigate risk, and improve customer experience while balancing trade‑offs Partner with Compliance and Legal to ensure solutions align with regulatory requirements Lead cross‑functional efforts with Product, Engineering, and Operations to design and implement scalable risk solutions Serve as a domain expert in card and transaction fraud, proactively identifying gaps and driving systemic improvements across fraud programs Define and track metrics that measure both risk effectiveness and customer impact Qualifications 6+ years of experience in an analytical role, including 4+ years in card fraud detection and strategy (startup or fintech experience a plus) Deep expertise in card and transaction fraud, including authorization controls and card network rules Experience designing and executing fraud strategies across adjacent domains (e.g., onboarding, ACH, checks, RTP, ATO) 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 decisions with imperfect information Curious, growth‑oriented, and motivated to work on fraud problems at all lifecycle stages (new product launches, scaling, and legacy optimization) Benefits & Compensation The total rewards package at Mercury includes base salary, equity, 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 (any location): $200,700 - $250,900 Canadian employees (any location): CAD $189,700 - $237,100 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. #J-18808-Ljbffr