# Senior Risk Strategist - Fraud

**Company:** [Mercury](https://hotfix.jobs/companies/mercury)
**Location:** San Francisco, CA, New York, NY, Portland, OR
**Role:** Other
**Salary:** $201k – $251k/yr
**Experience:** 6+ years
**Skills:** SQL, Fraud Detection, Risk Scoring, Risk Modeling, Process Automation, Ach, Rtp, Check Deposits, Account Takeover, Consumer Fintech
**Posted:** 2026-06-04

> Senior fraud strategist driving Mercury’s fraud program across payment rails and consumer banking. Combines data analysis, SQL, and cross-functional execution to design controls that reduce losses while protecting customer experience.

## Job Description

## 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

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