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Risk UX Specialist

Mercury· Banking and Risk Operations
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Hybrid (San Francisco, CA), Hybrid (New York, NY), Hybrid (Portland, OR), Hybrid (Remote United States)$75.9k - $85.4kfull-timePosted 5d ago

About the role

Risk User Experience Specialist focusing on risk decisions and user experience for Mercury’s Risk team. Responsible for responding to transaction limit requests, making risk decisions on queued payments and check deposits, escalating unusual or high-risk behavior, and documenting decisions while maintaining a positive user experience.

Responsibilities

  • Respond to limit request increases from high and moderate risk users, reviewing account and transactional activity to determine alignment with expected usage
  • Review overlimit transactions through a dedicated queue, evaluate account history and risk signals, request supporting documentation as needed, and approve or reject within required cutoff times
  • Review and decide on remote check deposits submitted by users using internal tools and third-party systems
  • Manage a high-volume caseload within service level agreements with attention to detail
  • Respond to Risk support requests in mailbox and Slack related to limit increases and other account operations inquiries from financial partners, users, or other internal/external parties
  • Partner with the BPO team by providing second opinions and exception guidance on escalated reviews for check deposits and overlimit transactions
  • Document rationale for risk decisions with supporting documentation
  • Write clear documentation on current processes and help train future teammates
  • Identify opportunities to make processes more observable, scalable, and efficient through tooling changes and procedure updates
  • Maintain a positive user experience while mitigating potential fraud loss or risk to Mercury

Qualifications

  • Experience working in banking, fintech, or other financial services
  • 2-3 years of experience in the risk space
  • Product sense and knowledge of banking products (e.g., ACH, International Wires, SWIFT, checks, and debit card)
  • Empathy and effective user communication
  • Ability to manage relationships with external parties with confidence and kindness
  • Act as a generalist by assessing various types of risk in decision-making
  • Efficient, focused work style
  • Clear and purposeful writing
  • Ability to prioritize requests and track follow-ups
  • Enjoy problem solving to improve teams, products, and processes

Skills

Required:Risk assessmentBanking product knowledgeCommunicationDocumentation

Benefits

  • Total rewards package includes base salary, equity (stock options/RSUs), and benefits
  • Salary ranges aligned with location: US NYC/LA/Seattle/SF Bay Area: 75,900—85,400 USD; Outside those areas: 68,300—76,900 USD
Last updated Oct 21, 2026. Interested? Apply on the company site.
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About Mercury

Online Business Banking For Startups & Small Businesses | Financial Workflows

Powerful banking. Simplified finances. Apply in 10 minutes for business banking that transforms how you operate.

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