Senior Account Fraud QC Investigator

Mercury is building a banking* stack for startups. We work hard to create the easiest and safest banking* experience possible to simplify entrepreneurs' and business owners’ financial lives. 

We’re looking to hire a Senior Account Fraud QC Investigator to support quality control for account fraud alert investigations across Mercury’s consumer and business banking products. This will be the first QC hire for the Account Fraud team and a key contributor in shaping the quality framework for our newly launched BPO partnership.

As a Senior Account Fraud QC Investigator, you will be responsible for designing, implementing, and executing fraud quality processes and procedures. This includes conducting quality assessments of fraud alert investigations, creating reports and dashboards, performing quality trend analysis, and translating quality insights into actionable improvements. You’ll also leverage your fraud and QC expertise to contribute directly to projects that advance Mercury’s account fraud program and help scale high-quality decision-making across internal teams and external partners.

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

Here are some things you’ll do on the job:

• Complete manual quality assessments of account fraud alert investigations, ensuring adherence to internal policies, procedures, and applicable regulatory requirements.
• Partner closely with Account Fraud leadership to define and operationalize the QC program, including quality standards, scoring methodologies, and feedback loops – particularly for BPO-reviewed work.
• Create quality dashboards, metrics, and trend reports to surface investigation accuracy, consistency, and risks.
• Provide clear, actionable insights and recommendations based on quality findings to drive continuous improvement across the account fraud program.
• Lead and participate in quality calibration sessions with internal teams and external BPO partners to ensure consistent investigation outcomes.
• Assist in the development, refinement, and documentation of fraud investigation quality processes and procedures.
• Maintain up-to-date knowledge of fraud typologies, industry best practices, regulatory expectations, and internal policy changes to ensure quality standards remain current.
• Participate in special projects, internal audits, and process improvement initiatives in support of fraud quality control and program scalability.

You should:

• Have 4+ years of experience in the finance or fintech industry with a focus on fraud investigations and quality control, ideally in an account fraud or transaction monitoring environment.
• Have prior experience building a QC program and/or performing QC for fraud investigations, including reviewing alerts and investigator decisioning.
• Have experience working with or supporting BPO or vendor-managed fraud operations.
• Be a highly motivated self-starter who is comfortable building structure in ambiguous, fast-moving, and high-risk environments.
• Have a strong understanding of banking products and fraud risk across areas such as ACH, wires, checks, debit cards, and account-level activity.
• Exercise empathy and sound judgment when delivering quality feedback to investigators and partners.
• Communicate complex findings and recommendations with efficiency and clarity to both operational and cross-functional stakeholders.

The total rewards package at Mercury includes base salary, equity (stock options), 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 in New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $121,700 - $152,100
• US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $109,500 - $136,900

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.

We use Covey as part of our hiring and / or promotional process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on January 22, 2024.

[Please see the independent bias audit report covering our use of Covey for more information.] 

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