--- title: 'Senior Risk Program Manager - Fraud & Disputes Enablement at Mercury' canonical: 'https://feeny.ai/job/senior-risk-program-manager-fraud-disputes-enablement-mercury-san-francisco-ca-2rg0b926yhej' type: 'job' last_seen: '2026-10-18' --- # Senior Risk Program Manager - Fraud & Disputes Enablement at Mercury - **Company:** Mercury - **Location:** San Francisco CA New York NY Portland OR OR Within Canada OR, United States - **Compensation:** $139k–$193k - **Work type:** remote - **Posted:** 2026-10-09 - **Last confirmed live:** 2026-10-18 - **Apply:** https://job-boards.greenhouse.io/mercury/jobs/6221555004 ## Job description About the Team: Mercury* is building a complete financial stack for startups, and Risk is how we protect our customers, Mercury, and the broader financial ecosystem. You'll join the Fraud & Disputes Enablement team, a shared-services group that makes our operations teams faster, more consistent, and ready for scrutiny. The team is made up of Quality Control, Learning & Development, and Program Management, and supports Fraud & Disputes. Role Summary: This is a generalist program management role for someone who builds programs from zero to one. You'll lead Mercury's Bank Charter Readiness work across Fraud, Disputes, and Risk UX, run the operating reviews and goal tracking that show leaders how Fraud and Disputes are performing, and use data to drive continuous improvement. You'll work with Risk Operations, Compliance, Risk Product, Engineering, Risk Strategy, and Vendor Management, and you'll show the team how AI can help us work smarter, not harder. *Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. What You'll Do: Lead Bank Charter Readiness - Translate the regulatory expectations of a chartered bank (Reg E, card network rules, and the standards examiners apply) into clear, sequenced work plans owned by the right teams. - Build Bank Charter Readiness programs from zero to one: define scope, milestones, dependencies, and risks, and report progress to executives. - Keep teams audit-ready every day, with current SOPs, traceable decisions, defensible evidence, and clean documentation, so exam preparation never becomes a scramble. - Coordinate responses to regulator, auditor, and partner-bank inquiries with Compliance, Legal, and Operations. Lead Goal tracking, and Reporting for Fraud & Disputes - Own the cadence and content of Operational Quality Reviews and Monthly CORs Reviews for Fraud and Disputes, from the data pull to the narrative to the follow-up actions. - Define and track ops health measures and team goals, including OKRs, so leaders can see what is on track, what is at risk, and why. - Build the reporting and dashboards leaders use to make decisions, and set up new reporting from scratch where none exists. - Raise risks early, make trade-offs explicit, and drive decisions to closure with partners who don't report to you. Use data for continuous improvement - Analyze quality, productivity, and compliance data across Fraud, Disputes, and Risk UX to find the patterns behind recurring problems. - Turn those findings into durable process, tooling, and reporting improvements instead of one-off fixes. - Work with QC, L&D, and Operations leaders to route root causes to the team that can fix them, and confirm the fix worked. - Stand up new continuous improvement programs from zero to one and measure their results. What You'll Bring: - 5+ years of program management experience in risk, compliance, fraud, disputes, or operations at a bank, fintech, or other regulated financial services company. - Banking* experience, with working knowledge of how a regulated institution runs, and direct experience working with regulators, examiners, auditors, or sponsor banks (for example exam preparation, findings remediation, or regulatory responses). - A record of building programs from zero to one, from ambiguous problem to measurable result, with impact beyond your immediate team. - 2+ years of experience governing BPO or other outsourced operations, with a focus on governance: SLAs, performance and quality oversight, escalations, and regular business reviews. - Strong understanding of risk operational processes in Fraud and/or Disputes, such as case handling, investigations, chargebacks, or Reg E error resolution. - Comfort with data: you can define metrics, build or interpret dashboards, and explain what the numbers mean. - Experience using AI and automation to improve how work gets done, for example synthesizing evidence and documentation, drafting and maintaining SOPs, analyzing QC and vendor data, summarizing incidents, and automating status reporting. Nice to Haves: - Lean Six Sigma certification (Green Belt or above) or equivalent continuous improvement experience - ISO quality credentials (for example ISO 9001 Lead Auditor or Implementer) or a similar quality management background - PMI certification (PMP, PgMP) or equivalent - Experience with change management frameworks such as Prosci/ADKAR, or ITIL-style incident and problem management - Experience in QC program design, workforce management, or learning and development - Familiarity with card network dispute rules and platforms - Experience with Risk UX, customer-facing risk flows, in a regulated context - Experience building and scaling a program in a high-growth environment 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-AR1 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: $154,200—$192,800 USD US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $138,800—$173,500 USD Canadian employees (any location): $145,800—$182,200 CAD ## 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 - [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 - [Senior Revenue Enablement Specialist - Product](https://feeny.ai/job/senior-revenue-enablement-specialist-product-mercury-san-francisco-ca-new-york-v33j4k9b4sfv) — San Francisco CA New York NY Portland OR OR Within, United States - [Head of Social & Community](https://feeny.ai/job/head-of-social-community-mercury-san-francisco-ca-new-york-ny-portland-or-or-cvr9bya22wbx) — San Francisco CA New York NY Portland OR OR Within, United States - [Customer Support Specialist](https://feeny.ai/job/customer-support-specialist-mercury-san-francisco-ca-new-york-ny-portland-or-or-24n6p2tbzh22) — San Francisco CA New York NY Portland OR OR Within, United States - [Creative Director - Brand Narrative](https://feeny.ai/job/creative-director-brand-narrative-mercury-san-francisco-ca-new-york-ny-portland-vq2njefybrc1) — San Francisco CA New York NY Portland OR OR Within Canada OR, United States - [Head of Product - Interfaces](https://feeny.ai/job/head-of-product-interfaces-mercury-san-francisco-ca-new-york-ny-portland-or-or-edtfs99p528s) — San Francisco CA New York NY Portland OR OR Within Canada OR, United States - [Senior Benefits Account Manager](https://feeny.ai/job/senior-benefits-account-manager-mercury-san-francisco-ca-new-york-ny-portland-asg0a4j0tchb) — San Francisco CA New York NY Portland OR OR Within, United States - [Research Operations Lead](https://feeny.ai/job/research-operations-lead-mercury-san-francisco-ca-new-york-ny-portland-or-or-9322hv7tbst2) — San Francisco CA New York NY Portland OR OR Within Canada OR, United States - [Relationship Manager](https://feeny.ai/job/relationship-manager-mercury-san-francisco-9hxm3r9pasf9) — San Francisco, CA