Senior Risk Strategist – Fraud

Mercury

Senior Risk Strategist at Mercury focusing on fraud detection and strategy across multiple payment rails. Collaborating with teams to design and implement effective solutions.

Posted 6/4/2026full-timeRemote • California, New York, Oregon • 🇺🇸 United StatesSenior💰 $200,700 - $250,900 per yearWebsite

Tech Stack

Tools & technologies

Ruby on RailsSQL

About the role

Key responsibilities & impact

Own strategy and execution across multiple fraud domains – including ACH, Check Deposits, Checkbooks, RTP, onboarding, and ATO – with a bias toward action and a high bar for results
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

Requirements

What you’ll need

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 (ACH, checks, RTP, onboarding, ATO, friendly fraud)
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
Proven ability to operate in ambiguity and make high-quality decisions with imperfect information
Highly self-motivated with a strong work ethic
Curious, growth-oriented, and motivated to work on fraud problems at all lifecycle stages (new product launches, scaling, and legacy optimization)

Benefits

Comp & perks

The total rewards package includes base salary, equity, and benefits.

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

fraud detectionfraud strategydata analysisrisk scoringprocess automationSQLconsumer banking fraudpayment railscustomer experienceregulatory compliance

Soft Skills

communicationinitiativeproblem-solvingdecision-makingself-motivationcuriositygrowth-orientedcross-functional collaborationadaptabilityresults-oriented