Senior Risk Strategist - Fraud

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

Requirements

• 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)

Compensation & Benefits

• The total rewards package at Mercury includes base salary, equity, and benefits.
• US employees (any location): $200,700 - $250,900
• Canadian employees (any location): CAD $189,700 - $237,100