Risk UX Specialist

Mercury

. Respond to transaction limit increase requests from high- and moderate-risk users by reviewing account and transactional activity .

Posted 10/20/2026full-timeRemote • United StatesJuniorMid-Level💰 $68,300 - $85,400 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in risk assessment and decision-making within banking and fintech environments, with a strong focus on user experience and process improvement. Proficient in managing high-volume caseloads while maintaining compliance with service level agreements.

Highest-signal resume keywords

Risk AssessmentBanking Products KnowledgeHigh-Volume Caseload ManagementClear Writing SkillsEmpathy in Communication

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Risk ManagementTransaction ReviewFraud MitigationProcess DocumentationDecision-MakingACHInternational WiresSWIFTCheck ProcessingDebit Card Transactions

Soft Skills

EmpathyRelationship ManagementProblem-SolvingEfficiencyCommunication

Tools & Technologies

Internal ToolsThird-Party SystemsSlack

Industry Keywords

BankingFintechFinancial ServicesRisk SpaceUser Experience

Tech Stack

Tools & technologies

Swift

About the role

Key responsibilities & impact

Respond to transaction limit increase requests from high- and moderate-risk users by reviewing account and transactional activity
Review overlimit transactions, evaluate account history and risk signals, request supporting documentation, and approve or reject within cutoff times
Review and make decisions on remote check deposits using internal tools and third-party systems
Manage a high-volume caseload within service level agreements
Respond to Risk support requests in mailbox and Slack channels regarding limit increases and account operations inquiries
Partner with the BPO team by providing second opinions and exception guidance on escalated check deposit and overlimit transaction reviews
Document rationale for risk decisions with supporting documentation
Write process documentation and help train future teammates
Identify tooling and procedure improvements to make processes more observable, scalable, and efficient
Maintain a positive user experience while mitigating fraud loss and risk to Mercury
Report directly to the Risk User Experience Lead

Requirements

What you’ll need

Experience working in banking, fintech, or other financial services
2-3 years of experience working in the risk space
Product sense and knowledge of banking products, including ACH, International Wires, SWIFT, checks, and debit cards
Ability to work weekends in addition to weekdays
Ability to work a fixed Sunday–Thursday schedule
Ability to work standard hours of 8am–5pm local time
Empathy and understanding when communicating with users
Ability to manage relationships with external parties with confidence and kindness
Ability to assess various types of risk when making decisions
Ability to work with efficiency and focus
Clear and purposeful writing
Ability to prioritize requests and track follow-ups
Problem-solving ability and interest in improving teams, products, and processes
Commitment to working in the United States, as the role is listed for San Francisco, New York, Portland, or remote within the United States

Benefits

Comp & perks

Base salary
Equity (stock options/RSUs)
Benefits
Reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs