Senior Risk Strategist - Card Fraud
About The Position
Mercury is building a complete finance stack for startups, aiming to simplify entrepreneurs' and business owners’ financial lives through an easy and safe banking experience. The Risk Strategy team, a hybrid of analytics and thought leadership, identifies, assesses, and mitigates financial, regulatory, and reputational risks. This role focuses on card fraud and dispute strategies, utilizing data-driven insights and process improvements while maintaining a stellar customer experience. The Senior Risk Strategist will own and shape Mercury’s card fraud and dispute strategies, partnering with Product, Engineering, Operations, and Compliance to deliver scalable outcomes, reduce fraud losses, and protect customer experience.
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)
Responsibilities
- Own strategy and execution for card fraud, while also 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
Benefits
- base salary
- equity
- benefits
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
