# Senior Risk Strategist - Card Fraud

**Company:** [Mercury](https://hotfix.jobs/companies/mercury)
**Location:** San Francisco, CA, New York, NY, Portland, OR
**Role:** Business Operations
**Salary:** $201k – $251k/yr
**Experience:** 6+ years
**Skills:** SQL, Fraud Detection, Card Fraud Strategy, Risk Scoring, Authorization Controls, Customer Risk Modeling, Process Automation, Quantitative Analysis, Cross-Functional Collaboration, Regulatory Compliance
**Posted:** 2026-05-27

> Own and shape Mercury's card fraud and dispute strategies, combining data analysis with strategic problem solving to reduce fraud losses while protecting customer experience. Partner with Product, Engineering, Operations, and Compliance on scalable risk solutions.

## Job Description

## Responsibilities
- Own strategy and execution for card fraud, while contributing to broader fraud strategy across adjacent domains
- 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 in card and transaction fraud, proactively identifying gaps and driving systemic improvements across fraud programs
- Define and track metrics that measure both risk effectiveness and customer impact

## Requirements
- 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 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 decisions with imperfect information
- Curious, growth-oriented, and motivated to work on fraud problems at all lifecycle stages (new product launches, scaling, and legacy optimization)

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