Risk UX Specialist

This is a fully remote position, open to applicants in California, +2 more states.

📋 Description

• Address transaction limit increase requests from users categorized as high- and moderate-risk by assessing account and transactional behavior.

• Examine transactions that exceed limits, analyze account history and risk indicators, request necessary documentation, and either approve or decline within specified time frames.

• Evaluate and decide on remote check deposits utilizing both internal tools and third-party systems.

• Handle a substantial caseload while adhering to service level agreements.

• Respond to Risk support queries via email and Slack channels regarding limit enhancements and inquiries related to account operations.

• Collaborate with the BPO team by offering second opinions and guidance on exceptions related to escalated check deposit and over-limit transaction reviews.

• Document the rationale behind risk decisions along with the supporting evidence.

• Prepare process documentation and assist in training future colleagues.

• Identify improvements in tools and procedures to enhance process visibility, scalability, and efficiency.

• Ensure a positive user experience while minimizing fraud loss and risk for Mercury.

• Report directly to the Risk User Experience Lead.

⛳️ Requirements

• Experience in banking, fintech, or related financial services.

• 2-3 years of experience in the risk management area.

• Strong product knowledge and understanding of banking products, including ACH, International Wires, SWIFT, checks, and debit cards.

• Availability to work weekends in addition to weekdays.

• Ability to maintain a fixed schedule from Sunday to Thursday.

• Willingness to work standard hours from 8am to 5pm local time.

• Empathy and understanding in user communications.

• Confidence and kindness in managing relationships with external stakeholders.

• Capability to evaluate different types of risk when making decisions.

• Proficiency in working efficiently and with focus.

• Strong writing skills that are clear and purposeful.

• Ability to prioritize requests and monitor follow-ups.

• Problem-solving skills and a desire to enhance teams, products, and processes.

• Commitment to working in the United States, as the position is available in San Francisco, New York, Portland, or remotely within the United States.

🏝️ Benefits

• Base salary.

• Equity (stock options/RSUs).

• Comprehensive benefits.

• Reasonable accommodations during the recruitment process for applicants with disabilities or special needs.