Mercury · 3 weeks ago
Senior Risk Strategist - Fraud
Mercury is building a complete finance stack for startups, aiming to simplify financial lives for entrepreneurs and business owners. The Senior Risk Strategist will shape and execute the fraud strategy across multiple payment types, leveraging analytical skills to mitigate risk and enhance customer experience.
AccountingBankingPaymentsFinanceFinTechCredit CardsFinancial Services
H1B Sponsor LikelyTop InvestorsUnicorn with $5.2B valuation
Responsibilities
Own 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
Drive Mercury’s Personal Banking fraud program build-out, applying consumer fintech expertise to design controls and strategies tailored to consumer account holders
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 across fraud types, proactively identifying gaps and driving systemic improvements across fraud programs
Define and track metrics that measure both risk effectiveness and customer impact
Take initiative without waiting to be directed – identify problems, build the case, and push work across the finish line
Qualification
Required
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)
Benefits
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.
Mercury values diversity & belonging and is proud to be an Equal Employment Opportunity employer.
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.
Company
Mercury
Business banking and financial workflows for startups and companies.
H1B Sponsorship
Mercury has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
3%
Represents job field similar to this job
Legal and Compliance
Engineering and Development
Product Management
Accounting and Finance
Trends of Total Sponsorships
*2026 (3)
2025 (14)
2024 (6)
2023 (8)
2022 (1)
2021 (1)
2020 (1)
Funding
Current Stage
Late StageTotal Funding
$657.13MKey Investors
TCVSequoia CapitalCoatue
2026-05-20Series D· $200M
2025-03-26Series C· $300M
2025-03-26Secondary Market
Leadership Team
Immad Akhund
CEO & Founder
Jon Auxier
CEO & President, Mercury Bank, N.A. (in organization)
Recent News
Firebolt Ventures
2026-09-08
Angel Collective
2026-09-03
Company data provided by crunchbase