Senior Risk Investigator – Fraud Incident Management, Partner Response

Mercury

. Own fraud incident response from detection through postmortem across first-party and third-party fraud .

Posted 11/6/2026full-timeRemote • United StatesSenior💰 $138,800 - $192,800 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in fraud incident response, including detection, investigation, and postmortem analysis, while effectively collaborating with cross-functional teams and partner banks. Proficient in utilizing AI tools for evidence synthesis and reporting, with a solid understanding of regulatory compliance and US payment systems.

Highest-signal resume keywords

Fraud InvestigationsIncident ManagementSQL Data AnalysisRegulatory ComplianceCross-Functional Collaboration

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Fraud Incident ResponsePostmortem AnalysisImpact SizingFirst-Party Fraud InvestigationThird-Party Fraud InvestigationRegulatory ReportingData InterpretationAI Tools UtilizationSOP DevelopmentRisk Operations

Soft Skills

Good JudgmentInfluencing StakeholdersMentoringCommunicationDecision-Making

Tools & Technologies

Incident Management ToolingDashboard ToolsAI Automation

Industry Keywords

Financial CrimesRegulated Financial ServicesUS Payment RailsFraud TypologiesPartner BanksAML

Tech Stack

Tools & technologies

Ruby on RailsSQL

About the role

Key responsibilities & impact

Own fraud incident response from detection through postmortem across first-party and third-party fraud
Act as incident lead or operational DRI for fraud incidents across Mercury products, including account takeover, card testing and BIN attacks, mule and ring activity, fraud spikes, and first-party fraud trends
Mobilize incident response, size impact, coordinate Fraud Investigations, Enablement, Strategy, Product, and Engineering, and maintain alignment on ownership and facts
Recommend containment, customer communication, reimbursement and credit decisions, account actions, and escalation
Run postmortems and retrospectives, documenting root causes, control gaps, remediation owners, dates, and status
Identify incident patterns and convert them into durable fixes in alerts, rules, SOPs, product or tooling changes, and training
Draft incident and retrospective memos for bank partners and internal risk governance
Use AI tools to create initial drafts from raw incident data and verify numbers and claims against source data
Prepare responses to partner-bank questions, suspicious activity and investigation inquiries, and information requests
Serve as day-to-day operational contact for partner-bank risk, AML, and investigations teams
Track partner requests, commitments, and change-management items and ensure timely, consistent responses
Incorporate partner feedback into Fraud Operations, Strategy, and Product controls and processes
Support audit and regulatory responses by validating accuracy, providing program context, challenging inaccurate ratings or facts, and agreeing action plans
Maintain current evidence, SOPs, and decision records
Track governance issues through closure and confirm fixes worked
Mentor teammates on escalation practices
Feed incident learnings into training, scorecards, and playbooks
Partner with Strategy and Engineering on tooling and reporting to accelerate incident response

Requirements

What you’ll need

6+ years of experience in fraud investigations, risk operations, or financial crimes at a bank, fintech, or other regulated financial services company
Hands-on investigation of both first-party and third-party fraud
Experience leading or serving as a key operator in fraud incidents or similar high-severity events
Experience sizing impact, driving cross-functional response, making decisions with incomplete information, and running postmortems
Strong writing and track record producing precise, defensible incident reports, regulatory or partner-bank memos, or audit responses
Working knowledge of how a regulated institution runs
Direct experience working with sponsor or partner banks, regulators, examiners, or auditors
Solid understanding of US payment rails and fraud typologies, including ACH, wires, checks, cards, account takeover, mule accounts, and synthetic or first-party fraud
Ability to pull and interpret volume, loss, and rate data using SQL or dashboard tools
Ability to influence cross-functional stakeholders and drive decisions to closure
Good judgment on escalation
Experience using AI and automation to synthesize evidence, draft documents, summarize incidents, and maintain status reporting
Nice to have: sponsor-bank or bank-partner fraud experience, BPO or outsourced operations, incident management tooling and practices, continuous improvement or project management, and high-growth fintech experience

Benefits

Comp & perks

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