[Hiring] Senior KYC Investigator @Mercury

Role Description

We are seeking a thoughtful and detail-oriented Senior Risk Investigator to join our Ongoing Due Diligence (ODD) team. In this role, you will support strategic initiatives that strengthen ODD’s KYC risk program and controls while ensuring adherence to established policies, procedures, and regulatory standards. You will help enhance existing operational workflows and develop new KYC/EDD controls to support upcoming product launches and processes.

Additionally, you will also partner closely with cross-functional teams to evolve Mercury’s KYC program by implementing automation, introducing new controls, and building scalable solutions that improve operational efficiency while minimizing customer friction. This role reports directly to the ODD KYC Lead and is supported by a highly collaborative and experienced Risk team.

• Lead the development and implementation of new operational processes, creating comprehensive procedures to support BPO outsourcing and execution.
• Partner cross-functionally with Compliance, BSA, Product, Risk Strategy, and other teams to enhance Mercury's ongoing due diligence program and drive operational efficiency through data and technology.
• Continuously refine and standardize desktop procedures for various KYC workflows to improve operational efficiency, accuracy, and regulatory compliance.
• Support complex KYC Refresh and related workflow cases as needed to ensure accurate and consistent execution.
• Identify opportunities to reduce unnecessary case volume by proposing auto-clearing logic.
• Maintain and enhance metric dashboards to monitor control performance, remediation status, and operational effectiveness.

Qualifications

• 3 - 5 years of experience related to KYC, Risk Investigations, AML, or Sanctions.
• 2+ years of experience building programs or processes.
• Highly motivated self-starter, comfortable working within a high-risk environment under minimal supervision.
• Strong understanding of Financial Services (or any other highly regulated) environments.
• Experience in managing customer-facing queues to support excessive caseloads and/or handle customer escalations as required.
• Experience with KYC Verification Software (such as Alloy, MidDesk, Socure, etc).
• Love problem solving and making teams, products, and processes more efficient.
• Curious about the US banking system, startups, and ecommerce companies.

Benefits

• Total rewards package includes base salary, equity (stock options/RSUs), and benefits.
• Highly competitive salary and equity ranges within the SaaS and fintech industry, updated regularly using reliable compensation survey data.
• New hire offers are based on experience, expertise, geographic location, and internal pay equity relative to peers.
• Target new hire base salary ranges for this role:
• US employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $106,200 — $132,800 USD.
• US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $95,600 — $119,500 USD.
• Canadian employees (any location): $100,400 — $125,500 CAD.

Company Description

Mercury is the fintech startups use for banking and all their financial workflows. Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

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.