The Risk Engineering team is the navigation system for this universe.

Our job is to guide thousands of ambitious people safely through Mercury’s orbit every day,each with its own trajectory, risk profile, and story. We operate at escape velocity: moving fast, making confident decisions, and protecting the system without slowing down the builders who rely on us. When we do our work well, founders open bank accounts in delightful minutes, not days,and never have to think about the complexity humming beneath the surface.

Now we’re entering a new era. We’re building agentic AI systems that don’t just score risk, but reason about it ,systems that can investigate, decide, escalate, and learn. These agents will help power and automate our KYC Refresh, EDD, ODD, and compliance workflows, taking our operations to the next level of efficiency and scale. The goal: less manual toil, earlier risk detection, sharper decisions, and experiences that feel almost magical in their simplicity.

This is where you come in.

We’re looking for a Senior Software Engineer who is energized by the idea of bringing intelligent automation to life in real production systems. Someone who wants to design and build AI-driven workflows that can think in steps, adapt to new information, and orchestrate complex decisions across people, models, and services. Someone who sees compliance not as red tape, but as a fascinating systems problem at planetary scale.

If you’re excited to build agentic AI that matters,software that protects millions of dollars, unlocks opportunities for founders around the world, and helps shape the future of banking,we’d love to explore the universe together.

In this role, you will:

Drive AI Product Development in Risk: You’ll help shape the architecture and implementation of AI-powered risk systems,from application approvals to ongoing and enhanced due diligence,turning messy, ambiguous signals into clear outcomes.

Collaborate Across Functions: You’ll partner with Product, Design, Risk Strategy, Compliance, and Operations to translate evolving regulatory and operational needs into elegant, resilient software. And you’ll push the frontier of what’s possible when modern AI meets thoughtfully designed systems.

Lead Projects End-to-End: Drive technical projects from concept to production across the stack. Define solutions, analyze tradeoffs, make critical decisions, and deliver software that works today and is sustainable for tomorrow.

Craftsmanship: Write clear, testable, and maintainable code. Establish patterns and best practices that your team can follow, ensuring long-term scalability and reliability.

Drive Quality & Scalability: Design extensible platform systems that create leverage, make balanced decisions on tech debt, plan careful rollouts, and own the quality of your work through post-launch monitoring.

Operational Excellence: Model a strong culture of operational excellence, holding a high bar for observability, reliability, and incident response.

Think Product, Not Just Code: Approach problems with a product mindset. You care as much about the business impact of what you build as the technical design.

Mentor & Elevate: Coach engineers on your team by sharing patterns, practices, and critical thinking to raise the technical bar and foster a culture of sustainable engineering.

You should have:

5+ years of software engineering experience, preferably in Payments or Risk.

Agentic AI expertise,you’ve built and launched applied Agentic AI products that have had strong business impact, shipping them from 0→1 and scaling 1→10 in production environments.

Proven success building large-scale distributed systems, ideally involving 3rd party integrations and decision automation.

A mindset that balances urgency with craftsmanship: shipping fast, without cutting corners on quality engineering.

A track record of raising the bar for quality and operational excellence, balancing shipping speed with technical excellence and observability.

Creativity and adaptability , you think beyond the obvious and find solutions that move both product and business forward.

Strong communication and leadership skills,you can inspire other engineers and articulate tradeoffs to influence decisions across teams.

Experience with or curiosity about KYC, AML, risk, or compliance systems in financial services or fintech.

If this role interests you, we invite you to explore our public demo at demo.mercury.com .

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: $200,700 - $250,900

Canadian employees: CAD $189,700 - $237,100

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That’s what our Risk product engineering teams do at Mercury. We guide thousands of business applications through our systems,each one unique, each one needing a smooth and trustworthy landing. The challenge: keep everything moving fast without compromising safety. Every day, our work helps founders open their first account, launch their next idea, and accelerate their growth like rocketships.

Our mission is to build the intelligent, automated systems and operational tools that make this possible,where machine learning, AI, and human judgment work seamlessly together to power the next generation of business banking*. We use intelligence to detect risks earlier, make real-time decisions with confidence, and enable instant, delightful account approvals that keep pace with the builders we serve.

When we do it right, the result is quiet brilliance: onboarding that feels effortless, even though it’s powered by galaxies of data, precision, and care.

We’re looking for a Senior Engineering Manager to lead the teams building the systems and tools that make it all happen,from application approvals to ongoing and enhanced due diligence,ensuring every business that joins Mercury is both safe and their experience is delightful.

*​​Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

In this role, you will:

• Lead teams (4–8 engineers each) responsible for account onboarding, KYC/KYB, AML, and fraud detection decisioning and workflows, and operational tooling.
• Apply AI/ML,from traditional models to large language models,to unlock faster, real-time bank account application approvals. This work sits on the critical business path, directly driving efficiency and revenue growth.
• Partner with Product, Risk, and Data teams to design and deliver scalable systems that balance user experience with compliance rigor.
• Shape the next generation of our KYC and risk platforms,reliable, resilient, and easy to extend as regulations and business needs evolve.
• Create a strong culture of operational excellence, with measurable improvements to uptime, accuracy, and system quality.
• Build, mentor, and grow engineering talent; help managers and senior engineers level up technically and organizationally.
• Drive clarity amid complexity: translating between regulatory nuance and technical execution.
• Foster collaboration across teams to align on priorities, simplify interfaces, and make the whole system more maintainable and elegant.

You should have:

• 9+ years of software development experience, including 3–5+ years of engineering management in a high-scale tech environment.
• AI/ML expertise,you’ve built and launched applied AI products (from LLMs to traditional ML models), shipping them from 0→1 and scaling 1→10 in production environments.
• Proven success building large-scale backend distributed systems, ideally involving integrations and decision automation.
• Experience with or curiosity about KYC, AML, risk, or compliance systems in financial services or fintech.
• A track record of raising the bar for quality and reliability, balancing shipping speed with technical excellence.
• Strong communication and leadership skills,you can inspire engineers, partner across functions, and adapt your management style to the moment.
• The ability to hire, retain, and develop exceptional technical talent.
• A pragmatic builder’s mindset: you believe beautiful systems are those that work, adapt, and last.

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 (any location): $239,000 - $298,800
• Canadian employees (any location): CAD $225,900 - $282,400

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As a Customer Experience Digital Operations Manager, you will oversee end-to-end digital service operations across customer and agent journeys, partnering with Product, Technology, and Architecture teams to ensure smooth delivery of features, fixes, and enhancements. You will define and monitor KPIs such as experience scores, CSAT, FCR, and system uptime to track digital performance across various digital channels.

You will drive real-time customer and agent experience tracking, identify friction points, and lead UX improvement initiatives backed by data analysis and user feedback. You will manage critical defects and high-priority escalations by coordinating with stakeholder teams to ensure rapid and accurate resolution.

You will build and maintain real-time dashboards to surface trends, generate insights, and inform leadership decisions; leverage tools such as Qualtrics, Mixpanel, and Fullstory etc. You will use customer and partner research to strengthen analytical capabilities, identify market trends, and recommend customer experience enhancements.

You will partner with data science, analytics, and engineering teams to embed AI-driven insights into digital operations, enabling proactive issue detection and resolution. You will apply AI-based predictive models to forecast demand, detect patterns, and inform operational and resource planning.

You will evaluate and operationalize AI copilots, GenAI assistants, and automation tools to streamline agent workflows and improve customer self-service. You will promote responsible AI through governance, transparency, bias monitoring, explainability, and data privacy practices.

You will lead GenAI-powered experiments that include personalized content, conversational experiences, and journey-level optimizations. You will support AI-driven journey analytics using NLP, clustering, sentiment analysis, and behavioral modeling to improve customer understanding.

Key Responsibilities

• Identify and scope opportunities to utilize AI, machine learning, and automation to optimize digital experience operations and agent support processes.
• Collaborate with product owners to build AI-informed business cases, including ROI modeling for predictive experiences, intelligent routing, and automated troubleshooting.
• Manage AI-enabled dashboards and monitoring systems that surface real-time anomalies, experience dips, and emerging performance trends.
• Partner with CX, analytics, and engineering teams to run A/B tests leveraging AI-generated variants, measuring uplift and customer impact.
• Translate customer and agent insights using AI-powered analytics (e.g., text/sentiment analysis, pattern detection) into actionable recommendations for journey improvements.
• Apply GenAI capabilities to improve team operations, e.g., automated insights summaries, triaging, root cause analysis drafting, and workflow documentation.

Experience & Education Requirements:

• Overall experience >8 years, 5+ years’ experience required with extensive relevant customer understanding/user research/consulting experience, packaging and delivering insights to influence change. 6+ years of combined experience required in analytics, performance reporting, and/or process improvement.
• Advanced project and process management experience. Agile preferred.
• Bachelor's degree preferred in Technology, Mathematics, Statistics, Business, or related field.
• Master’s degree preferred in Management, Analytics, Artificial Intelligence.
• Experience working with AI/ML-driven platforms or analytics tools (e.g., customer behavioral modeling, NLP pipelines, predictive analytics).
• Background or coursework in AI, machine learning, data science, or human-centered AI preferred.
• Demonstrated ability to translate technical AI concepts into business language for non-technical stakeholders.
• Availability to work in PST time zone.

Requirements

• Familiarity with GenAI tools, conversational AI platforms, and AI-assisted productivity solutions.
• Ability to interpret outputs from models using techniques such as anomaly detection, clustering, and predictive scoring.
• Strong understanding of AI ethics, governance, and responsible AI frameworks.
• Comfortable working in environments where AI-driven decision automation informs prioritization and operational strategies.
• Possesses strong technical aptitude. Intermediate knowledge in using analytic tools such as Tableau and Microsoft Excel. Proficient in Microsoft Office including MS Word, Excel, Outlook, PowerPoint.
• Strong verbal communication and listening skills. Strong business acumen, with effective written and verbal communication skills.
• Ability to communicate, influence, and deliver with cross-functional teams and enterprise stakeholders. Ability to manage multiple projects with tight deadlines effectively with cross functional teams.

Software / Tool Skills

• Experience with AI/ML or data intelligence platforms (e.g., Azure ML, AWS SageMaker, Google Vertex AI—basic exposure acceptable).
• Hands-on familiarity with GenAI copilots, prompt engineering concepts, or LLM-based experience analysis tools.
• Experience interpreting insights from NLP, AI-powered text analytics, or conversational AI systems.
• Hands on experience with user Feedback/Data analysis tools – Qualtrics, Fullstory, Mixpanel etc.
• Good proficiency or practical experience of A/B Testing tools.
• Agile tools such as Jira, Rally etc.
• Understanding of Contact center and CMS tools.
• Excel - Intermediate/Advanced. Proficiency in Microsoft 365
• Power BI (Highly Preferred)

Benefits

• Competitive compensation and benefits package:
  • Competitive salary and performance-based bonuses
  • Comprehensive benefits package
  • Career development and training opportunities
  • Flexible work arrangements (remote and/or office-based)
  • Dynamic and inclusive work culture within a globally renowned group
  • Private Health Insurance
  • Pension Plan
  • Paid Time Off
  • Training & Development

Note: Benefits differ based on employee level.

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