Senior Risk Investigator - Ongoing Due Diligence

Overview

San Francisco, CA, New York, NY, Portland, OR, or Remote within Canada or United States. Mercury is building a complete finance stack for startups. Since we launched Mercury in 2019, our customer base has grown to over 200,000 startups and small businesses from all around the world. Mercury is a financial technology company, not a bank. Banking services provided through Choice Financial Group, Column N.A., and Evolve Bank & Trust, Members FDIC.

We are seeking a detail-oriented Senior Risk Investigator, ODD to join our team. In this role, you will be responsible for overseeing Business Process Outsourcing (BPO) activities, ensuring adherence to established procedures and standards. You will work to enhance existing queues to be BPO ready and develop new KYC / EDD controls to support new product launches, such as personal banking services. Additionally, you will collaborate with cross-functional teams to improve Mercury\u2019s KYC program by implementing automation, customer risk ratings, and 3rd party verification software while minimizing customer friction. You will report directly to the ODD Manager and will be supported by a highly functional Risk team.

Responsibilities

• Partner cross-functionally with Compliance, Legal, Product, Risk Strategy and additional groups to enhance Mercury’s ongoing due diligence program and drive efficiency using data and technology
• Contribute to the development of Quality Control (QC) and Quality Assurance (QA) processes for existing and new controls
• Draft and refine desktop procedures for various KYC / EDD controls
• Assist in the creation of metric dashboards to monitor control performance and remediation status
• Assist in KYC Refresh of current Client population as needed to ensure their information remains up to date
• Conduct KYC / EDD reviews of new and existing clients
• Handle to Respond for Information (RFI) requests from wire partners on organizations and transactions
• Minimize Mercury’s sanctions exposure and reputational risk through the review and adjudication of sanctions, PEP, and Adverse Media alerts
• Identify opportunities to reduce unnecessary volumes through false positive rule proposals

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Compensation and Benefits

The total rewards package at Mercury includes base salary, equity (stock options), and benefits. Our salary and equity ranges are highly competitive within the SaaS and fintech industry and are updated regularly using the most reliable compensation survey data for our industry. New hire offers are made based on a candidate’s experience, expertise, geographic location, and internal pay equity relative to peers.

Salary Ranges

Equal Opportunity

Mercury values diversity & belonging and is proud to be an Equal Employment Opportunity employer. All individuals seeking employment at Mercury are considered without regard to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, sexual orientation, or any other legally protected characteristic. We are committed to providing reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs. If you need assistance, or an accommodation, please let your recruiter know once you are contacted about a role.

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