Risk UX Specialist

Required: This position requires you to be able to work on the weekends in addition to weekdays

This position will be full time working Sunday - Thursday shift, with standard working hours (8am-5pm local time)

Your working schedule will be fixed - this is not a rotating shift

Respond to limit request increases from high and moderate risk users, while reviewing account and transactional activity, to determine if aligned with expected account usage

Review Overlimit transactions through a dedicated queue, evaluating account history and risk signals, and requesting supporting documentation as needed, to approve or reject within required cutoff times

Review and decision remote check deposits submitted by users utilizing internal tools, and third party systems

Manage a high-volume caseload within service level agreements and with critical attention to detail

Respond to Risk support requests in the mailbox and Slack channels, related to limit increases, and other account operations inquiries from financial partners, users, or other internal/external parties

Partner with our BPO team by providing second opinions and exception guidance on escalated reviews for both check deposits and overlimit transactions

Document rationale for risk decisions with supporting documentation

Write clear documentation on current processes and help train future teammates

Identify opportunities to make processes more observable, scalable, and efficient through tooling changes and procedure updates

Maintain a positive user experience, while mitigating any potential fraud loss or risk to Mercury

Have experience working in banking, fintech, or other financial services

Have 2-3 years of experience working in the risk space

Have product sense and knowledge of banking products (e.g., ACH, International Wires, SWIFT, checks, and debit card)

Exercise empathy and understanding when communicating with users

Manage relationships with external parties with confidence and kindness

Act as a generalist by assessing various types of risk when making decisions

Work with efficiency and focus

Write with clarity and purpose

Prioritize requests and keep track of follow-ups

Love problem solving and making teams, products, and processes more efficient

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.

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Total Rewards The total rewards package at Mercury includes base salary, equity (stock options/RSUs), 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.

Our target new hire base salary ranges for this role are the following:

US employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area:$75,900—$85,400 USDUS employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area:$68,300—$76,900 USD