Senior Risk Investigator

Summary

Join Mercury's AML Investigations team as an AML Risk Investigator. You will play a crucial role in detecting suspicious activity, conducting thorough investigations, and mitigating financial crime risks. Responsibilities include transaction monitoring, financial crime investigations, case management, and drafting Unusual Activity Reports. You will work with internal teams and external partners to review user information and take appropriate actions, including account management. The role requires a keen eye for detail, strong analytical skills, and the ability to communicate effectively. This is a growing team, and you will contribute to improving our risk-based monitoring and case management systems.

Requirements

• Have experience in identifying money laundering, detecting fraud, or other financial crimes related behavior in banking, fintech, or other financial services through vendor AND in-house developed transaction monitoring rules
• Be fluent in the language of bank transactions, including ACH, check, debit card, credit card, and wire transfers, both domestic and international
• Understand the business banking landscape and have familiarity with international activity and ownership

Responsibilities

• Provide input as we implement new transaction monitoring rules and tune existing ones
• Review AML, and other financial crime alerts in our transaction monitoring queue and take action as needed
• Contact our users for information on their account usage and transactions
• Work with our partners and internal team members to review and assess information received from users
• Decision user accounts as needed, including locking or closing accounts
• Develop an understanding of expected activity for each type of user we work with
• Document investigative findings and escalate unusual or potentially suspicious activity to our Partners for SAR consideration
• Develop an unfailing eye for potential fraud or money laundering
• Conduct enhanced due diligence (EDD) reviews on some of our highest risk users
• Investigate tools that would make your job easier
• Write clear documentation on current processes and help train future teammates

Preferred Qualifications

• Exercise empathy and understanding when communicating with users
• Communicate complicated concepts with efficiency and clarity, both in speech and writing
• Manage relationships with external parties with confidence and kindness
• Work with efficiency and focus
• Understand how to keep an organized and clean inbox
• Love problem solving and making teams, product, and processes more efficient
• Derive joy from customer joy
• Enjoy thinking about how to automate as much of your job as possible
• Be curious about the US banking system, startups, and ecommerce companies

Benefits

• Base salary
• Equity (stock options)
• Benefits