Mercury

Senior Software Engineer – Risk, AI & Automation

Mercury

full-time

Posted on:

Location Type: Remote

Location: CaliforniaNew YorkUnited States

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Salary

💰 $200,700 - $250,900 per year

Job Level

About the role

  • Drive AI Product Development in Risk: You’ll help shape the architecture and implementation of AI-powered risk systems—from application approvals to ongoing and enhanced due diligence—turning messy, ambiguous signals into clear outcomes.
  • Collaborate Across Functions: You’ll partner with Product, Design, Risk Strategy, Compliance, and Operations to translate evolving regulatory and operational needs into elegant, resilient software.
  • Lead Projects End-to-End: Drive technical projects from concept to production across the stack.
  • Craftsmanship: Write clear, testable, and maintainable code.
  • Drive Quality & Scalability: Design extensible platform systems that create leverage, make balanced decisions on tech debt, plan careful rollouts, and own the quality of your work through post-launch monitoring.
  • Operational Excellence: Model a strong culture of operational excellence, holding a high bar for observability, reliability, and incident response.
  • Think Product, Not Just Code: Approach problems with a product mindset.

Requirements

  • 5+ years of software engineering experience, preferably in Payments or Risk.
  • Agentic AI expertise—you’ve built and launched applied Agentic AI products that have had strong business impact, shipping them from 0→1 and scaling 1→10 in production environments.
  • Proven success building large-scale distributed systems, ideally involving 3rd party integrations and decision automation.
  • A mindset that balances urgency with craftsmanship: shipping fast, without cutting corners on quality engineering.
  • A track record of raising the bar for quality and operational excellence, balancing shipping speed with technical excellence and observability.
  • Creativity and adaptability — you think beyond the obvious and find solutions that move both product and business forward.
  • Strong communication and leadership skills—you can inspire other engineers and articulate tradeoffs to influence decisions across teams.
  • Experience with or curiosity about KYC, AML, risk, or compliance systems in financial services or fintech.
Benefits
  • Competitive salary
  • Equity
  • Health insurance
  • Professional development opportunities

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard skills
software engineeringAI product developmentlarge-scale distributed systemsdecision automationtestable codemaintainable codeobservabilityreliabilityincident responsetechnical excellence
Soft skills
leadershipcommunicationcreativityadaptabilitycollaborationcraftsmanshipoperational excellenceproduct mindsetproblem-solvinginfluence