Senior KYC Investigator - Ongoing Due Diligence

Mercury•Portland, OR

23h•$95,600 - $132,800

About The Position

Mercury is seeking a thoughtful and detail-oriented Senior Risk Investigator to join their Ongoing Due Diligence (ODD) team. This role will support strategic initiatives to strengthen the ODD KYC risk program and controls, ensuring adherence to policies, procedures, and regulatory standards. The investigator will help enhance operational workflows and develop new KYC/EDD controls for upcoming product launches and processes. Additionally, they will collaborate with cross-functional teams to evolve Mercury’s KYC program through automation, new controls, and scalable solutions, aiming to improve operational efficiency while minimizing customer friction. This position reports directly to the ODD KYC Lead and is part of a collaborative Risk team. Mercury is a fintech company, not an FDIC-insured bank. Banking services are provided through Choice Financial Group and Column N.A., Members FDIC.

Requirements

3 - 5 years of experience related to KYC, Risk Investigations, AML, or Sanctions
2+ years of experience building programs or processes
Highly motivated self-starter, comfortable working within a high risk environment under minimal supervision
Strong understanding of Financial Services (or any other highly regulated) environments
Experience in managing customer-facing queues to support excessive caseloads and/or handle customer escalations as required
Experience with KYC Verification Software (such as Alloy, MidDesk, Socure, etc)
Love problem solving and making teams, products, and processes more efficient
Curious about the US banking system, startups, and ecommerce companies

Responsibilities

Lead the development and implementation of new operational processes, creating comprehensive procedures to support BPO outsourcing and execution
Partner cross-functionally with Compliance, BSA, Product, Risk Strategy, and other teams to enhance Mercury's ongoing due diligence program and drive operational efficiency through data and technology
Continuously refine and standardize desktop procedures for various KYC workflows to improve operational efficiency, accuracy, and regulatory compliance
Support complex KYC Refresh and related workflow cases as needed to ensure accurate and consistent execution
Identify opportunities to reduce unnecessary case volume by proposing auto-clearing logic
Maintain and enhance metric dashboards to monitor control performance, remediation status, and operational effectiveness