Chief Risk Officer at Mercury | Remote or Various Locations

About Mercury: Mercury is an innovative financial technology company dedicated to developing cutting-edge banking solutions for ambitious businesses. Since our inception as a startup banking platform, we've evolved significantly, now managing tens of billions in deposits. We are excited to announce our next venture: pursuing a de novo bank charter to operate as a fully licensed bank. This is a pivotal moment in our journey. As we transition from fintech to a fully operational bank, we are focused on constructing institutional-grade accounting systems from the ground up. This foundational work begins with this role. Note: Mercury operates as a fintech company and is not an FDIC-insured bank. Banking services are provided through Choice Financial Group and Column N.A., both members of FDIC. The Role: As the Bank Controller, reporting directly to the Corporate Controller, you will take charge of the accounting function for Mercury's banking operations. This is a key leadership position where you will establish the policies, processes, systems, and team necessary for Mercury to function as a fully regulated and insured depository institution. You will be at the crossroads of technical accounting, regulatory compliance, and operational development. This is not a role for those looking to maintain existing functions; it is for those who aspire to architect and innovate while collaborating closely with our Engineering and Product teams. What You'll Do: Bank Accounting Infrastructure Craft and implement the Chart of Accounts, general ledger structure, and subledger architecture for the bank entity, ensuring alignment with call report and regulatory reporting requirements. Establish bank-specific accounting policies related to investment securities (ASC 320/326), loan accounting, interest income accruals, ALLL/ACL methodology, and fee recognition. Develop the bank's financial closing processes and reconciliation frameworks. Regulatory and Call Report Compliance Lead the preparation of FFIEC Call Reports (FFIEC 031/041), FR Y-9C, and other regulatory financial submissions on a quarterly basis. Act as the primary accounting subject matter expert during regulatory examinations (OCC, FDIC, Federal Reserve), addressing examiner queries and managing remediation items. Implement and maintain the bank's accounting policy manual in conformity with GAAP, regulatory guidelines, and safety standards. Collaborate with Treasury on ALM reporting, liquidity coverage ratios, and interest rate risk disclosures. Financial Reporting and Controls Design comprehensive financial reporting frameworks and monitor internal controls to ensure accuracy and compliance. Oversee the preparation and analysis of the bank's financial statements, ensuring transparency and adherence to regulatory standards.

Join Mercury as an Account Executive, where you will play a pivotal role in driving our growth and expanding our client base. In this position, you will work closely with clients to understand their needs, provide tailored solutions, and ensure their overall satisfaction with our services. Your expertise in account management and a client-centric approach will be crucial in building long-lasting relationships and contributing to Mercury's mission of empowering businesses with innovative banking solutions.

Join Mercury as a Senior Product Manager, where you will be at the forefront of product development and innovation. As a key member of our team, you will lead cross-functional initiatives, collaborate with engineering, design, and marketing teams, and drive product strategy from conception to launch. Your expertise will help shape our product roadmap and enhance user experiences.

As Mercury continues to expand, our revenue platforms increasingly operate at the nexus of product launches, data systems, go-to-market strategies, and external partnerships. In a landscape where every task holds significance, the greatest threat is not a lack of effort, but rather a stagnation in momentum. We are seeking a Senior Technical Program Manager for our Revenue Technology team, who will ensure that intricate, multi-team projects not only progress but do so efficiently: in the right order, with clear dependencies highlighted, and tangible advancements visible on a weekly basis. This role transcends mere status updates; we need a hands-on technical TPM adept enough to directly resolve issues — whether that involves Linear, Salesforce, data workflows, or collaboration across Product, Engineering, Data, and Revenue teams. In this position, you will report to the Head of Platforms & Infrastructure and play a pivotal role in maintaining execution focus, allowing specialized technical roles to function at their highest capacity. *Mercury is a fintech company and not an FDIC-insured bank. Banking services are provided through Choice Financial Group and Column N.A., Members FDIC.

As the Space Shuttle approached the International Space Station, two distinct vehicles, crafted by separate teams across different nations with unique engineering philosophies, had to connect seamlessly. This intricate process, known as Rendezvous, Proximity Operations, and Docking (RPOD), required advanced subsystems capable of managing complex discrepancies like varying power systems, communication protocols, and technical architectures. A failure could result in costly and potentially disastrous outcomes in low Earth orbit. On December 19, 2025, Mercury announced its application to the OCC for a national bank charter alongside an application for FDIC deposit insurance. In essence, Mercury is in the process of establishing a bank. This initiative involves linking our modern, product-oriented engineering systems with enterprise core banking systems and payment networks that were developed in a significantly different era, based on different assumptions and interfaces. The Banking Integration Platform as a Service team at Mercury operates similarly to NASA's RPOD team, crafting our integration subsystems to ensure they are technically sound and operationally reliable. This role is critical to the foundational infrastructure at Mercury. Every account setup, monetary transaction, and balance inquiry will traverse the systems you create. Product teams across the organization will rely on well-defined abstractions that simplify underlying complexities. You will be among the select engineers at Mercury who possess a comprehensive understanding of our Bank Core and its various internal and external integrations. In this position, your responsibilities will include: Creating Mercury’s integration with an FFIEC-approved bank core and establishing connections to payment networks. Designing internal APIs that provide product teams with straightforward, consistent interfaces to complex external systems. Navigating the challenging realities of enterprise integrations, including retries, failures, format discrepancies, and outages. Developing data pipelines that ensure synchronization between Mercury's systems and our bank core. Managing monitoring, alerting, and recovery protocols for our most vital external connections. Collaborating with numerous teams within Mercury to delineate clear boundaries and reliable contracts. Contributing to the architectural design of Mercury Bank.

Join Mercury as a Senior Strategic Operations Lead to spearhead the deployment of our Bank Charter initiatives. In this pivotal role, you'll collaborate closely with cross-functional teams to shape operational strategies, ensuring compliance and enhancing efficiency. Your expertise will be vital in navigating the regulatory landscape and driving innovative solutions that support our growth in the financial sector.

Role Overview Mercury is hiring an Onboarding Quality Control Specialist. This position focuses on improving the onboarding process for new clients. The main goal: make sure every onboarding step meets high quality standards from start to finish. What You Will Do Review onboarding procedures to confirm accuracy and completeness Work with teams across the company to identify and fix process gaps Help maintain a smooth, consistent experience for new clients Support efforts to improve client satisfaction during onboarding Location This role can be based in San Francisco, CA, New York, NY, Portland, OR, or remote within the United States.

At Mercury, we are on a mission to revolutionize the financial landscape for startups by developing a comprehensive suite of financial tools. Our team is dedicated to creating user-friendly dashboards that emphasize clarity and functionality. Explore our demo dashboard at www.demo.mercury.com. Behind the scenes, we maintain a vast network of partners that our users may not see, requiring considerable investment in product development, regulatory compliance, and operational efficiency. This is where our Product Partnerships team plays a vital role. We manage Mercury’s external relationships and optimize our collaborative workflows to ensure satisfaction for our customers, partners, and team members. As the Staff Product Partnerships Manager at Mercury Bank, you will take ownership of our strategic partner portfolio that is essential to our core banking framework and our journey toward becoming a fully-fledged bank. This portfolio includes relationships with key banking providers, infrastructure partners, and essential regulatory entities that support our chartered bank model. This position is highly cross-functional, bridging product, engineering, compliance, legal, operations, and executive leadership. You will be the main liaison for our partners, advocating for their capabilities, constraints, and needs within Mercury. Your role will involve translating intricate regulatory and technical partner considerations into clear internal processes and ensuring their execution with precision and collaboration. In addition to overseeing our existing partnerships, you will be instrumental in identifying, assessing, and integrating new partners that align with Mercury’s long-term banking objectives. This will encompass market analysis, due diligence, contract negotiations, and ongoing relationship management. Your blend of regulatory expertise, product insight, operational acumen, and interpersonal skills will be crucial in building a robust, compliant, and scalable banking infrastructure for Mercury. We aspire for our users to describe banking with Mercury as secure, reliable, thoughtful, and perhaps even magical. Your mission will be to ensure that our core banking and regulatory partners can uphold these standards as we grow. *Mercury is a fintech company, not an FDIC-insured bank. Banking services are provided through Choice Financial Group and Column N.A., Members FDIC.

Mercury is looking for an Engineering Manager to lead the Mercury Accounting team. This group creates and maintains accounting products that help customers manage their finances. The focus is on delivering reliable, high-quality solutions that make financial management easier for users. Key responsibilities Guide engineering projects from initial planning through to delivery Mentor engineers and support their professional development Improve team processes to raise product quality and performance Collaborate with stakeholders to set priorities and ensure alignment on goals Build a culture centered on collaboration, learning, and strong technical standards Location This role can be based in San Francisco, CA, New York, NY, Portland, OR, or performed remotely from anywhere in Canada or the United States.

Join Mercury as a Senior Technical Recruiter specializing in engineering talent acquisition. In this pivotal role, you will leverage your expertise to attract and recruit top-tier engineering professionals. Your efforts will directly contribute to our mission of building an innovative technology team that drives our company forward.Your responsibilities will include collaborating with hiring managers to understand their specific needs, developing comprehensive recruitment strategies, and utilizing various sourcing techniques to connect with candidates. Additionally, you will manage the full recruitment cycle, from initial outreach to final offers, ensuring a seamless experience for candidates.

The electrical grid may not be glamorous, but it is the backbone of our modern world, powering homes, hospitals, factories, and entire cities. At Mercury, we understand the importance of infrastructure that is stable, meticulously regulated, and resilient. When it functions flawlessly, it goes unnoticed; when it falters, everything grinds to a halt. Our Domestic Wires team is integral to Mercury's mission. We are responsible for developing secure, compliant, and dependable domestic wire transfers, enabling businesses to transfer substantial amounts of capital with precision and confidence. The systems we create must strike a balance between speed and safety, scalability and stringent controls, as well as product adaptability and regulatory compliance. As a Senior Engineer, you will be at the heart of Mercury’s money movement platform. You will design and enhance high-reliability systems, shape technical strategies, collaborate with product, risk, and banking teams, and mentor fellow engineers as we expand. This role presents a chance to work on infrastructure where durability, transparency, and sound judgment are as crucial as speed. Note: Mercury is a fintech company, not an FDIC-insured bank. Banking services are provided through Choice Financial Group and Column N.A., Members FDIC.

Join Mercury as a Salesforce Developer and enhance our technical capabilities. In this role, you will architect, refine, and manage essential go-to-market (GTM) systems with precision and resilience. This position is vital to bridging the current engineering gap by implementing existing platform capabilities and minimizing tool sprawl through robust solutions integrated directly into Salesforce and its surrounding ecosystem. Collaboration is key; you will partner with teams in Architecture, Data, Technical Project Management, and Systems Experience to transform ideas into actionable solutions. Note: Mercury is a fintech entity, not an FDIC-insured bank. Banking services are provided through Choice Financial Group and Column N.A., both Members FDIC.

Join Mercury as an AI Solutions Architect, where you will be instrumental in enhancing our customer-facing chatbot and AI agent experience. In this key role, you will define strategic initiatives to optimize customer interactions with AI agents, ensuring an exceptional user experience. Your responsibilities will include targeted configuration of workflows, performance reviews, and quality coaching for ongoing improvement.You will collaborate closely with teams across Customer Support Strategy and Operations, Engineering, Product, and external vendors to uphold a high standard of quality, safety, and trust in our AI solutions.In addition to chatbot optimization, you will play a critical role in shaping the AI strategy within the Customer Support organization, creating best practices, and empowering your peers to explore AI solutions that boost team efficiency.

Role Overview Mercury is hiring a Senior Product Manager for the Mission Control team. This role steers product direction and execution, working closely with cross-functional partners to shape how Mercury’s products evolve. The Senior Product Manager will set strategy, prioritize improvements, and help deliver solutions that address customer needs. What You Will Do Lead cross-functional teams to define and deliver product strategy Drive enhancements to user experience across Mercury’s offerings Guide the product vision from concept through execution Ensure solutions align with customer needs and company goals Location This position is open to candidates based in San Francisco, CA, New York, NY, Portland, OR, or remotely within Canada or the United States.

Since the advent of the Fast Fourier Transform in 1965, the analysis of complex signals such as radio waves and images has transformed dramatically. At Mercury, we leverage advanced technologies to streamline the review of customer applications without sacrificing quality. Our Risk Onboarding team serves as the first line of defense against money laundering and financial crimes, developing innovative systems to ensure our clients are who they claim to be and that we can conduct business with them securely.We are dedicated to providing an unparalleled banking experience for startups, focusing on creating a safe and effective environment that caters to the needs of our customers, administrators, and regulators alike.Note: Mercury is a fintech company and not an FDIC-insured bank. Banking services are provided through Choice Financial Group and Column N.A., both Members FDIC.

At Mercury, we are redefining the banking stack for startups, emphasizing a meticulously crafted, straightforward, and powerful product experience. We envision a future where financial software operates seamlessly on your behalf. Mercury's API serves as the conduit for our most ambitious clients to engage with us programmatically: retrieving transaction data, managing accounts, and integrating with AI-driven workflows through tools like MCP. Our goal is to create a Mercury that can converse with customers and AI agents, answering queries and facilitating actions. We are in search of a dynamic Product Manager to spearhead Mercury's API, oversee integrations with the wider AI and developer tool ecosystem, and innovate AI-powered product experiences that render Mercury both programmable and intelligent. This position is ideal for individuals with a background in API and AI development who recognize the potential of making banking programmable as one of today's most intriguing product challenges. *Mercury operates as a fintech company and is not an FDIC-insured bank. Banking services are provided through Choice Financial Group and Column N.A., Members FDIC. Key Responsibilities: Lead the roadmap for Mercury's API, transitioning it from niche, read-heavy usage to a robust platform that empowers customers to innovate on top of Mercury. Formulate Mercury's strategy for engagement with the broader ecosystem of AI tools and developer platforms, determining capability exposure, integration prioritization, and our standing in agentic workflows. Envision how AI can transform customer interactions with their finances within Mercury, from asking questions about their business to executing actions autonomously. Gain a comprehensive understanding of how Mercury's most technical customers currently utilize our API and identify unmet needs. Collaborate with engineering teams to make informed technical decisions regarding API design, data access, and capabilities, ensuring clear communication and understanding. Work closely with Mercury’s growth and partnerships teams to position our API and AI products as key competitive advantages in customer acquisition and retention. Thriving in a fast-paced environment where leadership is deeply invested in this domain and expects innovative thinking and rapid execution. Qualifications for Success: A genuine enthusiasm for the evolving landscape of AI and its implications for financial technology.

Join Mercury as a Senior Analyst focusing on Compensation and People Analytics. In this pivotal role, you will leverage data to understand compensation trends and provide insights that drive strategic decision-making. Your analytical skills will help shape our talent management strategies, ensuring our workforce is both competitive and engaged.

Role Overview Mercury is hiring a Senior Data Science Manager to guide key data initiatives as the company continues to grow. This role leads a skilled team of data scientists, applying advanced analytics to uncover insights that shape strategy and improve how the business operates. What You Will Do Lead and mentor a team of data scientists Use analytics to inform strategic decisions and drive operational improvements Work with teams across the company to find ways data can strengthen products and services Location This position is open to candidates based in San Francisco, CA; New York, NY; Portland, OR; or remote within Canada or the United States.

Join Mercury as a Senior Product Recruiter, where you will play a pivotal role in shaping our product teams. You will collaborate closely with hiring managers to understand their needs and craft effective recruitment strategies that attract top talent. Your expertise in sourcing exceptional candidates will help us build a diverse and innovative workforce.