Payments Risk Assessment Specialist - AI Trainer

About the job

Mercor connects elite creative and technical talent with leading AI research labs. Headquartered in San Francisco, our investors include Benchmark , General Catalyst , Peter Thiel , Adam D'Angelo , Larry Summers , and Jack Dorsey .

Position: Payments Risk & Controls Expert

Type: Contract

Compensation: $80–$180/hour

Location: Remote

Role Responsibilities

• Review and author payments risk and control assessments across payment capture, validation, authorization, tracking, funds control, smart routing, FX conversion, netting, prioritization, returns, and tokenization.
• Evaluate inherent risk, residual risk, and control effectiveness using standard impact-and-likelihood frameworks.
• Map risks to controls and identify control gaps or elevated vulnerabilities.
• Identify failure modes in payments capabilities such as system failures, stale data, bypassed authorization, missed cut-offs, and misconfigured routing/netting/funds controls.
• Provide structured evaluations with clear written justifications grounded in operational risk and RCSA standards.
• Work independently and asynchronously to improve the reliability of frontier AI systems .

Qualifications

Must-Have

• 5+ years of experience in payments risk assessment, bank operational risk, risk and control self-assessment (RCSA) , issue management, risk and controls, compliance risk assessment, or banking risk advisory.
• Experience in titles such as VP / AVP Operational Risk Management, RCSA Program Manager / Lead , Business Risk & Control Officer, Payments Risk & Controls Manager, Payments Operations / Treasury Services Risk Manager, or Compliance Risk Assessment Manager.
• Comfort with standard payments risk lenses: execution and accuracy, authorization and fraud, data integrity, timeliness and cut-offs, client impact, and regulatory/compliance impact.
• Strong command of inherent risk scoring drivers — transaction value and volume, time sensitivity, geographic footprint, client harm, regulatory and operational impact, reputational impact, and historical signals (operational risk events, KRIs , issues, limits, external events).
• Excellent analytical and written communication skills.
• Comfortable working independently with digital tools.

Preferred

• Background at a top-tier bank strongly preferred (e.g., JPMorgan Chase , Citi , Bank of America , Wells Fargo , BNY , Barclays , Deutsche Bank , Goldman Sachs , Morgan Stanley ).
• Risk-control advisory experience at a leading consulting firm also considered (e.g., KPMG , Deloitte , PwC , EY , Accenture financial-services risk advisory).

Application Process (Takes 20–30 mins to complete)

• Upload resume
• AI interview based on your resume
• Submit form

Resources & Support

• For details about the interview process and platform information, please check:
• For any help or support, reach out to: View email address on jobs.institutedata.com

PS: Our team reviews applications daily. Please complete your AI interview and application steps to be considered for this opportunity.