Mercury Senior Risk Investigator at Mercury leads fraud incident response across all products, managing detection to postmortem. The role involves coordinating cross-functional teams and producing memos for partners and auditors.
Responsibilities
Lead fraud incident management
Act as incident lead or operational DRI for fraud incidents across all Mercury products, including account takeover, card testing and BIN attacks, mule and ring activity, spikes in fraud behavior, and first-party fraud trends.
Mobilize incident response, size impact, pull the right people from Fraud Investigations, Enablement, Strategy, Product, and Engineering, and keep everyone aligned on what we know, what we don't, and who owns what.
Make or tee up decisions with a recommendation attached: containment, customer communication, reimbursement and credit decisions, account actions, and when to escalate.
Run postmortems and retros for first-party and third-party fraud incidents: root cause, control gaps, remediation owners and dates, and track statuses of each.
Spot patterns across incidents and turn them into durable fixes in alerts, rules, SOPs, product or tooling change requests, and training instead of one-off responses.
Write the memos and responses partners and auditors rely on
Draft incident and retro memos for bank partners and internal risk governance: what happened, impact, root cause, controls in place, remediation plan, and timelines.
Use AI tools to get from raw incident data to a strong first draft quickly, then verify every number and claim against source data before it leaves the team.
Prepare accurate, concise responses to partner-bank questions, suspicious activity and investigation inquiries, and requests for information.
Coordinate with bank partners
Be a day-to-day operational point of contact for partner-bank risk, AML, and investigations teams, working alongside Partnerships and Compliance.
Qualification
Preferred
Experience with the sponsor-bank or bank-partner side of fraud, such as UAR/SAR support, Reg E error resolution, or card network and NACHA rules.
Experience with BPO or outsourced operations.
Familiarity with incident management tooling and practices (severity levels, incident command, written postmortems).
Continuous improvement or project management background.
Experience in a high-growth fintech environment.
Mercury values diversity & belonging and is proud to be an Equal Employment Opportunity employer. All individuals seeking employment at Mercury are considered without regard to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, sexual orientation, or any other legally protected characteristic. 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.
