Risk User Experience Specialist

Summary

Join Mercury's Risk team as a Risk User Experience Specialist and contribute to a powerful banking solution. You will be responsible for responding to transaction limit requests, making risk decisions on queued payments, and escalating unusual behavior. The role involves providing excellent user experiences while conducting efficient risk assessments. You will report to the Risk User Experience Manager and work with a supportive team. Responsibilities include reviewing account and transactional activity, managing a high-volume caseload, responding to risk support requests, documenting risk decisions, and identifying process improvement opportunities. The ideal candidate will have experience in banking, fintech, or financial services, along with a strong understanding of banking products.

Requirements

• 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

Responsibilities

• 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

Benefits

• Base salary
• Equity (stock options)