Senior Risk Investigator - Fraud Incident Management & Partner Response

About this role

Lead fraud incident response across Mercury products, coordinating cross-functional teams from detection through containment and postmortem. Prepare evidence-based reports for bank partners, auditors, and internal governance, and help strengthen fraud processes as Mercury prepares for bank-level operations.

About the company

Mercury provides banking and financial software for startups, combining business accounts, cards, and money-management tools designed for venture-backed companies.

The team

Fraud Operations, part of the Fraud & Disputes organization.

What you'll do

• Lead response to fraud incidents, assess impact, coordinate teams, and recommend containment and customer actions.
• Run postmortems and track root causes, control gaps, remediation owners, and deadlines.
• Turn incident patterns into improvements to alerts, rules, procedures, tooling, and training.
• Draft incident reports and concise, accurate responses for partner banks, auditors, and internal governance.
• Coordinate partner-bank requests and commitments with Partnerships and Compliance.
• Support audit and regulatory observations, maintain evidence and procedures, and track issues through closure.
• Mentor teammates on effective escalation and improve incident-response training and tooling.

What we're looking for

• 6+ years in fraud investigations, risk operations, or financial crimes, including hands-on first- and third-party fraud investigations.
• Experience leading fraud incidents or similar high-severity events, including impact assessment, cross-functional response, and postmortems.
• Strong writing skills and experience producing precise, defensible reports or audit and partner-bank responses.
• Experience working with regulated institutions, sponsor or partner banks, regulators, examiners, or auditors.
• Knowledge of US payment rails and fraud typologies, including ACH, wires, checks, cards, account takeover, mule accounts, and synthetic or first-party fraud.
• Ability to interpret fraud volume, loss, and rate data using SQL or dashboard tools.
• Ability to influence cross-functional partners and drive decisions to completion.
• Experience using AI and automation to synthesize evidence, draft documents, and maintain status reporting.

Nice to have

• Experience with UAR/SAR support, Reg E error resolution, or card network and NACHA rules.
• Experience with BPO or outsourced operations.
• Familiarity with incident management practices, severity levels, and written postmortems.
• Continuous improvement or project management experience.
• Experience in a high-growth fintech environment.

Benefits

• Equity (stock options or RSUs)