Senior Backend Engineer - Personal Banking

In April, Mercury announced our public beta for Mercury Personal – a premium consumer banking* service offering high-yield savings, free wires, ATM fee reimbursements, and favored Mercury features like User Permissions and Auto-Transfer Rules. We built the product for investors and founders. Individuals who were likely to have heard about Mercury or used it already, who were likely to have strong opinions about UX and get value out of the free wires, who appreciated a technology-first banking experience that didn’t require a phone call to accomplish simple tasks.

We’ve invited beta users and continue to tweak the product based on their feedback. We’re ramping up cautiously to ensure adequate risk and compliance controls as we move into this new domain. And, there’s still a lot to build. 

Right now, our team is working on a few table-stakes consumer banking features like Joint Accounts. We’re interested in building Trust Accounts and enabling several features that already exist for business banking customers like Treasury and sending international wires.

*Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Column N.A., and Evolve Bank & Trust, Members FDIC.

As part of this role, you will:

• Feel a strong sense of product ownership and actively seek responsibility – we often self-organize on small/medium projects, and we want someone who’s excited to help shape and build the future of Mercury Personal.
• Work closely with designers, product leaders, and other engineers to build new features for Mercury Personal and thoughtfully port existing business banking features over.

The ideal candidate for the role:

• Has 4+ years of software development experience, with a knowledge of or excitement to learn Haskell.
• Has made architectural decisions in the past and seen the impact of those decisions over time. You should be able to clearly articulate your technical opinions and lay out tradeoffs.
• Is passionately product-minded and has experience building and shipping new products.
• Is someone comfortable driving discussions in areas with ambiguous ownership, approaches them with empathy, and delights in getting outcomes. Our work touches many other teams and areas of the product; you’ll have a lot of autonomy and the expectation is you’ll use that to seek out ways to have an impact.
• Is ridiculously helpful, taking initiative to make your coworkers’ lives easier.

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

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 (any location): $203,100 - $238,900
• Canadian employees (any location): CAD 184,800 – 217,400

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 here.

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