Risk User Experience Specialist, Mercury

$68.3-94.9k

+ Equity (stock options) in all locations; Canadian employees (any location) salary is CAD $71,800 - $80,700; Salary is dependent on location within the US

Swift

Slack

Junior and Mid level

New York

San Francisco Bay Area

Remote from Canada, US

Banking services for startups and small businesses

Job no longer available

Banking services for startups and small businesses

1001+ employees

FintechB2BBankingFinancial Services

Job no longer available

$68.3-94.9k

+ Equity (stock options) in all locations; Canadian employees (any location) salary is CAD $71,800 - $80,700; Salary is dependent on location within the US

Swift

Slack

Junior and Mid level

New York

San Francisco Bay Area

Remote from Canada, US

1001+ employees

FintechB2BBankingFinancial Services

Company mission

To make scaling tech companies simpler with a personalized banking stack for startups, and power the next generation of companies that will shape the American industry.

Job

Company

Role

Who you are

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
Exercise empathy and understanding when communicating with users
Manage relationships with external parties with confidence and kindness
Act as a generalist by assessing various types of risk when making decisions
Work with efficiency and focus
Write with clarity and purpose
Prioritize requests and keep track of follow-ups
Love problem solving and making teams, products, and processes more efficient

What the job involves

As a Risk User Experience Specialist, you’ll be responsible for responding to transaction limit request increases, making risk decisions on queued payments, and leveraging your general risk knowledge to escalate unusual or high risk behavior to relevant teams
You’ll be responsible for providing great user experiences to Mercury users while making highly efficient and high quality risk assessments. You will report directly to the Risk User Experience Manager and will be supported by a highly functional Risk team
Respond to limit request increases from high and moderate risk users, while reviewing account and transactional activity, to determine if aligned with expected account usage
Review and decision remote check deposits submitted by users utilizing internal tools, and third party systems
Manage a high-volume caseload within service level agreements and with critical attention to detail
Respond to Risk support requests in the mailbox and Slack channels, related to limit increases, and other account operations inquiries from financial partners, users, or other internal/external parties
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 any potential fraud loss or risk to Mercury

Our take

Frustrated by the archaic, fee-laden banking services offered to entrepreneurs, the founders of Mercury set out to create a better solution. They envisioned a platform that was dynamic, tech-driven, and free from unnecessary fees.

Mercury delivers on this vision by automating business payment processes, offering FDIC-insured accounts, and providing full API access, empowering entrepreneurs with greater control and efficiency. This approach stands in stark contrast to traditional startup banking, which often burdens young businesses with high fees and limited functionality.

By prioritizing user experience and offering a free service tier, Mercury has attracted over 200,000 businesses and achieved a $3.5B valuation as of 2025. As a rising unicorn in the stagnant world of startup banking, mercury is backed by substantial funding and poised for continued growth, constantly adding new features and expanding its team to further disrupt the industry.

Kirsty

Company Specialist at Welcome to the Jungle

Insights

Top investors

50% employee growth in 12 months

Glassdoor (4.5)

Trustpilot (4.1)

Company

Funding (last 2 of 5 rounds)

Mar 2025

$300m

SERIES C

Jul 2021

$120m

SERIES B

Total funding: $450.9m

Company benefits

Health, dental, & vision
12+ weeks of paid parental leave
$600 USD custom WFH equipment setup
Unlimited vacation policy (with a mandatory minimum)
Annual $1K learning & development budget
Paid 6-week sabbatical after the 5-year mark
Weekly $100 food budget
Monthly $100 wellness budget
Monthly $50 cellphone reimbursement
Pet-friendly offices with free tea and beverages, plus lunch and snacks
Unlimited vacation policy (with a mandatory minimum)
Retirement matching up to 4% of base salary (401K/RRSP)
Inclusive fertility, hormonal health, and family-forming benefits through Carrot Fertility

Company HQ

SoMa, San Francisco, CA

Leadership

Jason Zhang

(Co-Founder & COO)

Jason graduated from Stanford University with a Bachelor of Science in Biology before spending over 4 years at Heyzap in Business Development.

Immad Akhund

(Co-Founder & CEO)

Immad graduated from the University of Cambridge with a Masters in Computer Science. He then worked as a Software Developer at Aquila and Bloomberg. He also founded Clickpass and Heyzap, and was a Part-time Partner at Y Combinator.

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