Mercury9 дней назад
Risk Investigator - Third Party/ATO Fraud
Зарплата не указана
San Francisco
Обязанности
- 01Lead complex investigations into suspected account takeover (ATO) incidents, exercising sound judgment to determine risk, containment, and recovery strategies
- 02Own end-to-end response for high-impact and executive-visible ATO cases, serving as a primary coordinator across Fraud, Customer Support, Product, Engineering, Compliance, Legal, and Leadership
- 03Communicate directly with customers during sensitive account security incidents, providing timely, empathetic guidance throughout the investigation and recovery process
- 04Help develop and continuously improve ATO investigation policies, playbooks, and operational workflows to increase consistency, quality, and speed to response
- 05Partner with Product, Engineering, and Risk teams to identify detection gaps and recommend improvements to authentication controls, fraud detection systems, and customer security features
- 06Escalate emerging account takeover trends, attacker behaviors, and fraud vectors, working with leadership and partner teams to turn findings into actionable operational and product improvements
- 07Provide subject matter expertise during critical incidents and help guide investigation strategy for the team's most complex and high-risk cases
- 08Identify opportunities to automate repetitive investigative tasks and improve tooling, operational efficiency, and customer experience
- 09Maintain clear, defensible investigative documentation that supports internal decision-making, regulatory requirements, and cross-functional collaboration
- 10Mentor teammates by sharing investigative best practices, reviewing complex cases, and contributing to onboarding and training materials
Требования
- 01Have 3+ years of direct experience investigating and responding to account takeover (ATO) fraud incidents within a bank, fintech, payments company, or other financial services organization
- 02Demonstrate deep expertise in account takeover methodologies, attacker tactics, authentication systems, identity verification, and account recovery processes
- 03Have experience identifying common bank fraud typologies, such as wire fraud, ACH fraud, check fraud, mule accounts, and identity theft
- 04Be comfortable leading complex, ambiguous investigations that require balancing customer experience, fraud risk, and operational efficiency
- 05Have exceptional customer-facing communication skills and experience managing high-impact or executive-visible customer incidents with professionalism, empathy, and confidence
- 06Exercise excellent judgment when making time-sensitive decisions that affect customer access, account security, and financial risk
- 07Be skilled at influencing cross-functional partners and collaborating effectively with Product, Engineering, Compliance, Customer Support, and Leadership
- 08Communicate complex investigative findings clearly and concisely, both verbally and in writing, to audiences ranging from customers to senior leadership
- 09Have a track record of identifying operational inefficiencies and driving meaningful improvements through better processes, tooling, or automation
- 10Be highly organized and capable of managing multiple critical investigations while maintaining exceptional attention to detail
- 11Enjoy mentoring teammates, raising the quality bar for investigations, and helping build a strong investigative culture
- 12Have a strong product mindset and curiosity about evolving fraud threats, authentication technologies, and customer security
- 13Be motivated by protecting customers and continuously improving Mercury's ability to detect, investigate, and respond to account takeover threats
Условия
- 01The total rewards package at Mercury includes base salary, equity (stock options), and benefits
- 02Our 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
- 03New hire offers are made based on a candidate’s experience, expertise, geographic location, and internal pay equity relative to peers
- 04US employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $121,700 - $152,100
- 05US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $109,500 - $136,900