Risk UX Specialist

Mercury is working to make business banking more powerful and less complicated, while keeping customers, partners and the wider ecosystem safe. Its Risk team is growing, and this role joins the Risk User Experience team to make sound risk decisions in response to user inquiries while keeping the experience best in class. As a Risk User Experience Specialist, you will handle transaction limit increase requests, decide on queued payments and check deposits, and use general risk knowledge to escalate unusual or high risk behaviour to the right teams. You will report to the Risk User Experience Lead and work with a highly functional team, aiming for efficient, high quality assessments and a great experience for Mercury users. *Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. Schedule Information This role requires weekend work in addition to weekdays. Full time, Sunday to Thursday shift, with standard working hours (8am-5pm local time) The schedule is fixed and does not rotate Here Are Some Things You’ll Do on the Job Respond to limit increase requests from high and moderate risk users, reviewing account and transaction activity against expected account use Review overlimit transactions in a dedicated queue, check account history and risk signals, request supporting documents when needed, and decide within required cutoff times Review and decide remote check deposits using internal tools and third party systems Manage a high volume caseload within service level agreements and with close attention to detail Answer Risk support requests in the mailbox and Slack channels about limit increases and other account operations inquiries from financial partners, users and colleagues Support the BPO team with second opinions and exception guidance on escalated reviews for check deposits and overlimit transactions Document the rationale for risk decisions, with supporting documentation Write clear documentation on current processes and help train future teammates Spot opportunities to make processes more observable, scalable and efficient through tooling changes and procedure updates Keep the user experience positive while mitigating fraud loss and risk to Mercury You Should Have experience working in banking, fintech or other financial services Have 2-3 years of experience working in the risk space Have product sense and knowledge of banking products such as ACH, international wires, SWIFT, checks and debit cards Communicate with users with empathy and understanding Manage relationships with external parties with confidence and kindness Act as a generalist, assessing various types of risk when making decisions Work with efficiency and focus Write with clarity and purpose Prioritise requests and keep track of follow ups Enjoy problem solving and making teams, products and processes more efficient Mercury values diversity and belonging and is an Equal Employment Opportunity employer. Applicants are considered without regard to legally protected characteristics, and reasonable accommodations are available during recruitment for applicants with disabilities or special needs. Total Rewards The total rewards package at Mercury includes base salary, equity (stock options/RSUs) and benefits. Salary and equity ranges are competitive within SaaS and fintech and are updated regularly using compensation survey data, with new hire offers based on experience, expertise, geographic location and internal pay equity.