Senior Risk Strategist - Fraud
Other
Excel
WFA Digital Insight
The demand for skilled risk strategists in the fintech space is on the rise, with a 25% increase in job postings over the past year. As a Senior Risk Strategist at Mercury, you'll be at the forefront of shaping the company's fraud strategy, leveraging your expertise in data analysis and problem solving to drive impact. With the remote job market booming, this role offers a unique opportunity to join a cutting-edge company and work with a talented team. Before applying, candidates should be aware that this role requires a deep understanding of fraud detection and strategy, as well as strong communication skills to collaborate with cross-functional teams.
Job Description
About the Role
The Senior Risk Strategist - Fraud role at Mercury is a critical position that requires a unique blend of analytical skills, strategic thinking, and collaboration. As a key member of the Risk Strategy team, you will be responsible for shaping and executing Mercury's fraud strategy across multiple payment rails and fraud types. Your day-to-day work will involve analyzing complex data sets, identifying trends and patterns, and developing targeted strategies to mitigate risk and improve customer experience. Mercury is a fintech company that is revolutionizing the way businesses and entrepreneurs manage their finances. Our Risk Strategy team is a hybrid team that combines analytics with thought leadership to identify, assess, and mitigate the financial, regulatory, and reputational risks Mercury faces. As a Senior Risk Strategist, you will be working closely with Product, Engineering, Operations, and Compliance teams to deliver scalable outcomes that enable the business and reduce fraud losses while protecting customer experience.What You Will Do
- Own strategy and execution across multiple fraud domains, including ACH, Check Deposits, Checkbooks, RTP, onboarding, and ATO
- Drive Mercury's Personal Banking fraud program build-out, applying consumer fintech expertise to design controls and strategies tailored to consumer account holders
- 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 across fraud types, proactively identifying gaps and driving systemic improvements across fraud programs
- Define and track metrics that measure both risk effectiveness and customer impact
- Take initiative without waiting to be directed – identify problems, build the case, and push work across the finish line
What We Are Looking For
- 6+ years of experience in an analytical role, including 4+ years in fraud detection and strategy – consumer fintech experience strongly preferred
- Proven ability to design and execute fraud strategies across multiple payment rails and fraud types
- Hands-on experience contributing to consumer / personal banking fraud programs, including familiarity with consumer-specific fraud patterns and regulatory context
- 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
Nice to Have
- Experience working with machine learning models and algorithms to detect and prevent fraud
- Familiarity with cloud-based data platforms and tools, such as AWS or Google Cloud
- Certified Anti-Money Laundering Specialist (CAMS) or Certified Fraud Examiner (CFE) designation
Benefits and Perks
- Competitive salary and equity package
- Comprehensive health insurance, including medical, dental, and vision
- Flexible paid time off and holidays
- Remote work stipend and equipment budget
- Professional development opportunities, including training and conference sponsorships
- Access to cutting-edge technology and tools
- Collaborative and dynamic work environment
How to Stand Out
- Be prepared to provide specific examples of your experience in fraud detection and strategy, including metrics and outcomes
- Highlight your ability to communicate complex risk concepts to non-technical stakeholders
- Showcase your expertise in data analysis and problem solving, including proficiency in tools like Excel and SQL
- Emphasize your experience working in cross-functional teams and collaborating with stakeholders to drive business outcomes
- Be prepared to discuss your approach to balancing risk and customer experience, including trade-offs and prioritization
- Consider creating a portfolio or case studies that demonstrate your skills and experience in risk strategy and fraud detection
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