Senior KYC Investigator - Ongoing Due Diligence

Mercury
  • San Francisco, CA
    5 days ago

    Job Description

    Mercury is the fintech startups use for banking* and all their financial workflows. This turns out to be a pretty wild endeavor, so we’re looking to bring someone sharp onto our Ongoing Due Diligence (ODD) team to help us out. We are seeking a thoughtful and detail-oriented Senior Risk Investigator to join our 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.

    *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:

    • 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

    You should:

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

    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.

    #LI-JD1

    Total Rewards
    The total rewards package at Mercury includes base salary, equity (stock options/RSUs), 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:
    $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

    Numbers & Facts

    LocationSan Francisco, CA

    Skills

    • Automationunmatched
    • Banking Servicesunmatched
    • Compensation Analysisunmatched
    • Cross-Functionalunmatched
    • Customer Escalationsunmatched
    • Customer Relationsunmatched
    • Desktop PCunmatched
    • Detail Orientedunmatched
    • Due Diligenceunmatched
    • Federal Deposit Insurance Corp (FDIC)unmatched
    • Financial Servicesunmatched
    • Know Your Customer (KYC)unmatched
    • Maintain Complianceunmatched
    • Metricsunmatched
    • Money Launderingunmatched
    • Operational Improvementunmatched
    • Operational Strategyunmatched
    • Operations Planningunmatched
    • Operations Processesunmatched
    • Outsourcingunmatched
    • Performance Analysisunmatched
    • Policy Developmentunmatched
    • Problem Solving Skillsunmatched
    • Procedure Developmentunmatched
    • Product Strategyunmatched
    • Product Supportunmatched
    • Product/Service Launchunmatched
    • Program Controlunmatched
    • Regulationsunmatched
    • Regulatory Complianceunmatched
    • Reporting Dashboardsunmatched
    • Riskunmatched
    • Risk Managementunmatched
    • Scalable System Developmentunmatched
    • Software as a Service (SaaS)unmatched
    • Strategic Planningunmatched
    • System Start-Upunmatched
    • Team Playerunmatched
    • eCommerceunmatched

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