Senior Software Engineer - Risk (AI & Automation)
WFA Digital Insight
The demand for skilled software engineers in fintech has surged in recent years, with experts predicting a 25% increase in AI adoption by 2027. As a senior software engineer at Mercury, you'll be at the forefront of this trend, designing and implementing cutting-edge AI systems to drive business growth. With the rise of digital banking, companies like Mercury are revolutionizing the way financial services are delivered, and this role offers a unique opportunity to be part of that journey. Candidates should be prepared to showcase their expertise in AI and automation, as well as their ability to collaborate across functions and drive technical projects from concept to production.
Job Description
About the Role
The Senior Software Engineer - Risk (AI & Automation) role at Mercury is a unique opportunity to join a team of innovators who are shaping the future of banking. As a senior software engineer, you will be responsible for driving the development of AI-powered risk systems, collaborating with cross-functional teams, and leading technical projects from concept to production. You will be working closely with the Risk Engineering team to design and implement agentic AI systems that can reason about risk, investigate, decide, escalate, and learn. The goal is to create a seamless and efficient experience for founders and businesses, while ensuring the highest level of security and compliance.The Risk Engineering team is a critical component of Mercury's operations, and as a senior software engineer, you will play a key role in shaping the architecture and implementation of AI-powered risk systems. You will be working with a talented team of engineers, product managers, and designers to translate evolving regulatory and operational needs into elegant and resilient software.
What You Will Do
- Drive AI product development in risk, from application approvals to ongoing and enhanced due diligence
- Collaborate with Product, Design, Risk Strategy, Compliance, and Operations to translate evolving regulatory and operational needs into software
- Lead technical projects from concept to production, defining solutions, analyzing tradeoffs, making critical decisions, and delivering software that works today and is sustainable for tomorrow
- Write clear, testable, and maintainable code, establishing patterns and best practices that your team can follow
- Drive quality and scalability, designing extensible platform systems that create leverage, making balanced decisions on tech debt, planning careful rollouts, and owning the quality of your work through post-launch monitoring
- Model a strong culture of operational excellence, holding a high bar for observability, reliability, and incident response
- Approach problems with a product mindset, caring as much about the business impact of what you build as the technical design
- Mentor and elevate the team, providing guidance and support to help others grow and develop their skills
- Stay up-to-date with industry trends and emerging technologies, applying that knowledge to improve Mercury's risk systems and stay ahead of the competition
- Collaborate with the data science team to integrate machine learning models into the risk workflow
- Work closely with the product team to define and prioritize product requirements
- Participate in code reviews and ensure that the codebase is maintainable and follows best practices
What We Are Looking For
- 5+ years of experience in software engineering, with a focus on AI and automation
- Strong proficiency in programming languages such as Python, Java, or C++
- Experience with machine learning frameworks and libraries such as TensorFlow or PyTorch
- Strong understanding of software design patterns and principles
- Experience with cloud-based technologies such as AWS or Google Cloud
- Strong collaboration and communication skills, with the ability to work effectively with cross-functional teams
- Strong problem-solving skills, with the ability to analyze complex problems and develop creative solutions
- Experience with Agile development methodologies and version control systems such as Git
- Strong understanding of security and compliance principles, with experience in implementing security measures in software development
- Bachelor's degree in Computer Science or related field
Nice to Have
- Experience with fintech or banking industry
- Knowledge of risk management and compliance regulations
- Experience with data science and machine learning
- Certification in AI or machine learning
- Experience with DevOps and continuous integration/continuous deployment (CI/CD)
Benefits and Perks
- Competitive salary and equity package
- Comprehensive health, dental, and vision insurance
- Flexible PTO and vacation days
- Remote work stipend and equipment budget
- Professional development opportunities and conference sponsorships
- Access to cutting-edge technologies and tools
- Collaborative and dynamic work environment
- Opportunities for career growth and advancement
How to Stand Out
- Be prepared to showcase your expertise in AI and automation, and highlight your experience with machine learning frameworks and libraries.
- Emphasize your ability to collaborate across functions and drive technical projects from concept to production.
- Make sure your resume and portfolio are up-to-date and showcase your skills in software engineering and AI.
- Prepare to answer behavioral questions that demonstrate your problem-solving skills and ability to work with cross-functional teams.
- Research Mercury's company culture and values, and be prepared to discuss how you align with them.
- Be ready to discuss your experience with security and compliance principles, and how you have implemented security measures in software development.
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