Senior Risk Investigator - Fraud Incident Management & Partner Response

The role

You will lead fraud incident management and response across all Mercury products. You will write memos for partners and auditors and act as an operational contact for partner banks.

What you will do

• Act as incident lead or operational DRI for fraud incidents
• Mobilize incident response and size impact
• Make decisions regarding containment, customer communication, and account actions
• Run postmortems and retros for fraud incidents
• Spot patterns to create durable fixes in alerts, rules, and SOPs
• Draft incident and retro memos for bank partners and internal risk governance
• Prepare responses to partner-bank questions and inquiries
• Serve as a day-to-day operational point of contact for partner-bank teams
• Support audit and regulatory observations for Fraud Operations
• Mentor teammates on escalation processes

Required qualifications

• 6+ years of experience in fraud investigations, risk operations, or financial crimes at a bank, fintech, or other regulated financial services company
• Hands-on investigation of both first-party and third-party fraud
• Experience leading or serving as a key operator in fraud incidents or high-severity events
• Strong writing with a track record of producing incident reports, regulatory memos, or audit responses
• Working knowledge of how a regulated institution runs
• Direct experience working with sponsor or partner banks, regulators, examiners, or auditors
• Solid understanding of US payment rails and fraud typologies
• Ability to pull and interpret volume, loss, and rate data using SQL or dashboard tools
• Ability to influence people who do not report to you
• Experience using AI and automation to synthesize evidence and draft documents

Nice to have

• Experience with the sponsor-bank or bank-partner side of fraud
• Experience with BPO or outsourced operations
• Familiarity with incident management tooling and practices
• Continuous improvement or project management background
• Experience in a high-growth fintech environment

Benefits

• Base salary
• Equity (stock options/RSUs)
• Benefits

About the company

Mercury is a fintech company building a complete financial stack for startups. Banking services are provided through Choice Financial Group and Column N.A., Members FDIC.