Risk UX Specialist Job Portland area,Oregon USA,Finance & Banking

San Francisco, CA, New York, NY, Portland, OR, or Remote within United States

For the longest time, banking
* has only really served one purpose, holding money securely. In doing so, it’s also slowed us down and over complicated things. That’s where Mercury comes in. Banking should do more and we’re on a mission to make that happen through powerful banking solutions and simplifying all of the financial workflows that come with managing a business. To accomplish this end, we also need to ensure the trust and safety of our customers, partners and ecosystem.

Thankfully, Mercury has a world class Risk team to detect and mitigate any threats. And this team is growing. We’re looking to bring on a Risk User Experience Specialist to make risk decisions in response to risk-related user inquiries, all while providing best-in-class user experiences.

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

Schedule Information:

Required:
This position requires you to be able to work on the weekends in addition to weekdays

This position will be full time working Sunday - Thursday shift, with standard working hours (8am-5pm local time)
Your working schedule will be fixed - this is not a rotating shift

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

Respond to limit request increases from high and moderate risk users, while reviewing account and transactional activity, to determine if aligned with expected account usage
Review Overlimit transactions through a dedicated queue, evaluating account history and risk signals, and requesting supporting documentation as needed, to approve or reject within required cutoff times
Review and decision remote check deposits submitted by users utilizing internal tools, and third party systems
Manage a high-volume caseload within service level agreements and with critical attention to detail
Respond to Risk support requests in the mailbox and Slack channels, related to limit increases, and other account operations inquiries from financial partners, users, or other internal/external parties
Partner with our BPO team by providing second opinions and exception guidance on escalated reviews for both check deposits and overlimit transactions
Document rationale for risk decisions with supporting documentation
Write clear documentation on current processes and help train future teammates
Identify opportunities to make processes more observable, scalable, and efficient through tooling changes and procedure updates
Maintain a positive user experience, while mitigating any potential fraud loss or risk to Mercury

You should:

Have experience working in banking, fintech, or other financial services
Have 2-3 years of experience working in the risk space
Have product sense and knowledge of banking products (e.g., ACH, International Wires, SWIFT, checks, and debit card)
Exercise empathy and understanding when communicating with users
Manage relationships with external parties with confidence and kindness
Act as a generalist by assessing various types of risk when making decisions
Work with efficiency and focus
Write with clarity and purpose
Prioritize requests and keep track of follow-ups
Love problem solving and making teams, products, and processes more efficient

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…