--- title: 'Risk UX Specialist at Mercury' canonical: 'https://feeny.ai/job/risk-ux-specialist-mercury-san-francisco-ca-new-york-ny-portland-or-or-within-pyqrhqt4nrdz' type: 'job' last_seen: '2026-10-25' --- # Risk UX Specialist at Mercury - **Company:** Mercury - **Location:** San Francisco CA New York NY Portland OR OR Within, United States - **Compensation:** $68k–$85k - **Work type:** remote - **Posted:** 2026-10-20 - **Last confirmed live:** 2026-10-25 - **Apply:** https://job-boards.greenhouse.io/mercury/jobs/6230088004 ## Job description For the longest time, banking* has only really served one purpose, holding money securely. In doing so, it’s also slowed us down and overcomplicated things. That’s where Mercury comes in. Banking should do more and we’re on a mission to make that happen through powerful banking solutions and simplifying all of the financial workflows that come with managing a business. To accomplish this end, we also need to ensure the trust and safety of our customers, partners and ecosystem. Thankfully, Mercury has a world class Risk team to detect and mitigate any threats. And this team is growing. We’re looking to bring on a Risk User Experience Specialist to make risk decisions in response to risk-related user inquiries, all while providing best-in-class user experiences. As a Risk User Experience Specialist, you’ll be responsible for responding to transaction limit request increases, making risk decisions on queued payments and check deposits, 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 Lead and will be supported by a highly functional team. *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: Required: This position requires you to be able to work on the weekends in addition to weekdays - This position will be full time working Sunday - Thursday shift, with standard working hours (8am-5pm local time) - Your working schedule will be fixed - this is not a rotating shift Here are some things you’ll do on the job: - 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 Overlimit transactions through a dedicated queue, evaluating account history and risk signals, and requesting supporting documentation as needed, to approve or reject within required cutoff times - 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 - Partner with our BPO team by providing second opinions and exception guidance on escalated reviews for both 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 any potential fraud loss or 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 (e.g., ACH, International Wires, SWIFT, checks, and debit card) - 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 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. ## #LI-JD1 Total Rewards The total rewards package at Mercury includes base salary, equity (stock options/RSUs), 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. Our target new hire base salary ranges for this role are the following: US employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $75,900—$85,400 USD US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $68,300—$76,900 USD ## About Mercury ## Company Overview - **One-liner**: Mercury provides banking and financial workflow solutions for startups and ambitious companies. - **Entity Type**: Private (venture-backed) - **Headquarters**: San Francisco, California, USA (offices also in New York, NY and Portland, OR) - **Founded**: Not publicly available - **Founders**: Not publicly available ## Core Business - **Primary industry/industries**: Fintech, Business Banking, Financial Operations - **Target customers**: B2B – primarily startups and growing companies - **Mission or purpose statement**: “Transformative banking for ambitious entrepreneurs” – making banking better and simplifying financial operations so businesses can focus on growth. ## Products & Services - **Mercury Banking**: A powerful business bank account (checking, savings, debit and credit cards) that serves as the nucleus of financial operations. (Service) - **Bill Pay & Spend Management**: Tools to pay bills, send invoices, monitor spending, and understand cash flow – all from one platform. (SaaS/Service) - **Financial Operations Platform**: Integrates payments, invoices, bill pay, cash flow monitoring, and spend management into a single dashboard. (SaaS) ## Market Standing - **Valuation/Market Cap**: Not publicly available - **Key Metric**: Over 200,000 startups use Mercury; employees count exceeded 1,000 (950+ as of one source, 919 U.S.-based employees reported by Great Place to Work). - **Notable Investors/Partners**: Backed by top-tier venture capitalists (specific names not disclosed in available sources). Banking services provided through Choice Financial Group, Column N.A., and Evolve Bank & Trust (Members FDIC). - **Growth Signals**: - Within days of Silicon Valley Bank’s failure (March 2023), Mercury picked up more than $2 billion in deposits and retained 92% of those customers six months later. - Recognized on Fortune’s Best Medium Workplaces 2023 (ranked 16th), Forbes Fintech 50, and Fast Company’s Most Innovative. - 96% of employees say Mercury is a great place to work (Great Place to Work certified). ## Competitive Advantages - **All-in-One Financial Hub**: Combines banking, payments, bill pay, and spend management in one platform, reducing the need for multiple tools. - **Startup-First Design**: Built specifically for high-growth companies, with features that scale from early stage to established enterprise. - **High Customer Retention**: Proven stickiness after the SVB crisis demonstrates strong trust and product-market fit. - **Top-Tier Backing and Recognition**: Endorsed by leading investors and media, reinforcing credibility. ## Strategic Focus - **Product Expansion**: Continuing to build out financial workflows (bill pay, spend management) to become the single source of truth for business finance. - **AI Integration**: Hiring for roles like Senior Machine Learning Operations Engineer, AI Engineering, and Model Risk Manager – indicating a push to embed AI/ML into products and internal processes. - **Remote-First Talent**: Embracing a remote-first culture with physical offices in SF, NY, Portland, and hiring across the US and Canada. ## Why Work Here - **Culture & Values**: Emphasizes “build relentlessly,” “think actively,” “be super helpful,” and “act with humility.” Employees report a strong sense of purpose and collaboration. - **Remote & Hybrid Flexibility**: Remote-first with optional in-office hubs. Open roles are listed as “Any office or remote” in the US and Canada. - **Benefits Package**: - Health, dental, vision insurance - 12+ weeks paid parental leave - $600 custom work-from-home equipment setup - Annual $1,000 learning & development budget - Paid 6-week sabbatical after 5 years - Weekly $100 food budget - Monthly $100 wellness budget - Monthly $50 cellphone reimbursement - Unlimited vacation (with mandatory minimum) - 401(k) matching up to 4% of base salary - Inclusive fertility and family-forming benefits (Carrot Fertility) - Pet-friendly offices with free lunch, snacks, and beverages - **Growth Opportunities**: 950+ employees (as of one source) and growing; strong commitment to career development and high-impact work. - **Diversity & Inclusion**: Stated priority to embrace every individual and provide tools for great work. ## Sources 1. [mercury.com/jobs](https://mercury.com/jobs) – Benefits, culture, open roles 2. [mercury.com/about](https://mercury.com/about) – Company overview, values, press mentions, Forbes quote 3. [job-boards.greenhouse.io/mercury](https://job-boards.greenhouse.io/mercury) – Current job listings 4. [linkedin.com/company/mercuryhq/jobs](https://www.linkedin.com/company/mercuryhq/jobs) – LinkedIn jobs page 5. [greatplacetowork.com/certified-company/7025113](https://www.greatplacetowork.com/certified-company/7025113) – Employee satisfaction certification, headcount ## Other roles at Mercury - [Frontend Engineer - Design Systems](https://feeny.ai/job/frontend-engineer-design-systems-mercury-san-francisco-ca-new-york-ny-portland-0pkm87gq0pe2) — San Francisco CA New York NY Portland OR OR Within Canada OR, United States - [Senior Software Engineer - Cards](https://feeny.ai/job/senior-software-engineer-cards-mercury-san-francisco-ca-new-york-ny-portland-or-kj3dgna4jspq) — San Francisco CA New York NY Portland OR OR Within Canada OR, United States - [Recruiter - Technical](https://feeny.ai/job/recruiter-technical-mercury-san-francisco-ca-new-york-ny-portland-or-or-within-5nfm2s9geq6b) — San Francisco CA New York NY Portland OR OR Within Canada OR, United States - [Software Engineer - Mercury Command](https://feeny.ai/job/software-engineer-mercury-command-mercury-san-francisco-ca-new-york-ny-portland-nr84ay9018dk) — San Francisco CA New York NY Portland OR OR Within Canada OR, United States - [Workplace Experience Specialist - NYC](https://feeny.ai/job/workplace-experience-specialist-nyc-mercury-new-york-czjbyna6rqxq) — New York, NY - [Senior Recruiter - GTM](https://feeny.ai/job/senior-recruiter-gtm-mercury-san-francisco-ca-new-york-ny-portland-or-or-within-fntxankygt5a) — San Francisco CA New York NY Portland OR OR Within Canada OR, United States - [Recruiter - Sales](https://feeny.ai/job/recruiter-sales-mercury-san-francisco-ca-new-york-ny-portland-or-or-within-p8wab3ax7b18) — San Francisco CA New York NY Portland OR OR Within Canada OR, United States - [Business Continuity Management Lead](https://feeny.ai/job/business-continuity-management-lead-mercury-san-francisco-ca-new-york-ny-aze704pnfzrt) — San Francisco CA New York NY Portland OR OR Within Canada OR, United States - [Senior Account Executive - Credit & Lending Products](https://feeny.ai/job/senior-account-executive-credit-lending-products-mercury-san-francisco-ca-new-dyjw0ccmhyh7) — San Francisco CA New York NY Portland OR OR Within, United States - [Senior Customer Support Service Delivery Program Manager](https://feeny.ai/job/senior-customer-support-service-delivery-program-manager-mercury-san-francisco-m9n91w231bsn) — San Francisco CA New York NY Portland OR OR Within Canada OR, United States