Senior Risk Strategist - Card Fraud

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. 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.As part of the journey, we would expect you to:Own strategy and execution for card fraud, while also contributing to broader fraud strategy across adjacent domainsUse data and quantitative analysis to design fraud controls, mitigate risk, and improve customer experience while balancing trade-offsPartner with Compliance and Legal to ensure solutions align with regulatory requirementsLead cross-functional efforts with Product, Engineering, and Operations to design and implement scalable risk solutionsServe as a domain expert in card and transaction fraud, proactively identifying gaps and driving systemic improvements across fraud programsDefine and track metrics that measure both risk effectiveness and customer impactSome things that might make you successful in a role like this: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 automationStrong SQL proficiency and ability to translate data into actionable strategyTrack record of balancing risk, compliance, and customer experience in cross-functional settingsExcellent communication skills to simplify complex risk concepts into clear recommendationsProven ability to operate in ambiguity and make decisions with imperfect informationCurious, growth-oriented, and motivated to work on fraud problems at all lifecycle stages (new product launches, scaling, and legacy optimization)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 - $250,900Canadian employees (any location): CAD $189,700 - $237,100Mercury 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.#LI-MZ1