Senior Software Engineer - Domestic Wires at Mercury

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 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.

Join our innovative team at Mercury as a Senior Software Engineer specializing in AI Enablement. In this pivotal role, you will leverage your expertise in artificial intelligence to drive transformative solutions that enhance our products and platforms. Collaborate with cross-functional teams to design, develop, and implement cutting-edge AI features that meet our users' evolving needs.We are looking for a candidate who thrives in a fast-paced environment, possesses a strong understanding of AI technologies, and is passionate about creating impactful software solutions. Your contributions will be essential in shaping the future of our offerings and delivering exceptional user experiences.

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.

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 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 a Senior Engineering Manager specializing in Release Engineering, you will play a pivotal role in leading our engineering teams to excel in the delivery of high-quality software products. You will foster a culture of collaboration and innovation while driving the execution of our release processes. Your strategic vision will be instrumental in enhancing our methodologies, tools, and practices to ensure timely and efficient software releases.

Join our dynamic team at Mercury as a Staff Software Engineer specializing in Fraud Detection. In this role, you will leverage your engineering expertise to develop innovative solutions that enhance our fraud prevention strategies. Collaborate with cross-functional teams to design and implement scalable systems that protect our users and ensure the integrity of our platform.We are looking for a passionate engineer who thrives in a fast-paced environment and is eager to take on challenges that impact our customers' experience. Your contributions will play a crucial role in shaping the future of financial security.

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 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.

At Mercury, every new business that applies is like a shining star in the vast night sky. Each application, unique in its own right, contributes to a larger constellation of data trails from partners, filings, founders, and financial histories. Our Risk product engineering teams play a vital role in guiding thousands of business applications through our systems. The challenge lies in maintaining speed without sacrificing safety. Each day, our work empowers founders to open their first account, launch innovative ideas, and propel their growth forward like rocketships. Our mission is to create intelligent, automated systems and operational tools that enable this process—where machine learning, AI, and human insight work in harmony to shape the future of business banking. We leverage intelligence to identify risks early, make confident real-time decisions, and provide instantaneous, satisfying account approvals that match the pace of the builders we support. When executed flawlessly, our onboarding process feels seamless and effortless, powered by a universe of data, precision, and care. We are seeking a Senior Engineering Manager to lead the teams responsible for developing the systems and tools that facilitate this journey—from application approvals to enhanced due diligence—ensuring that every business that partners with Mercury is safe while enjoying a delightful experience.

Role Overview Mercury is looking for a Senior Software Engineer focused on Stability. This role centers on strengthening the reliability and scalability of Mercury’s software systems. The work spans identifying weak points, resolving issues, and driving improvements across the stack. What You Will Do Work closely with teams across engineering, product, and operations to spot and address stability risks Troubleshoot and resolve software issues affecting system reliability Design and implement solutions that improve overall system performance and resilience 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.

At Mercury, every new customer who applies for a bank account represents a new star igniting in a vast universe of possibilities. Initially, it may seem like a mere spark, but a closer examination reveals an intricate constellation of identity verification, ownership checks, sanctions screening, and fraud signals—all interconnected by invisible forces. The Risk Engineering team acts as the guiding navigation system for this expansive universe. Our mission is to safely guide thousands of ambitious individuals through Mercury’s orbit each day—each with a unique trajectory, risk profile, and narrative. We operate at escape velocity: moving swiftly, making confident decisions, and safeguarding the system without hindering the builders who depend on us. When we excel, founders can open bank accounts in delightful minutes rather than days, without needing to worry about the underlying complexities. We are on the brink of a new era. We are developing intelligent AI systems that do not merely assess risk but can reason about it—systems capable of investigating, deciding, escalating, and learning. These agents will enhance our KYC Refresh, EDD, ODD, and compliance workflows, propelling our operations to unprecedented levels of efficiency and scale. Our goal: to reduce manual labor, detect risks earlier, make sharper decisions, and create experiences that are almost magical in their simplicity. Now, we invite you to join us. We are seeking a Senior Software Engineer who is inspired by the prospect of bringing intelligent automation to life within real production systems. We need someone eager to design and implement AI-driven workflows that can think in steps, adapt to new information, and orchestrate complex decisions across people, models, and services. If you view compliance not as red tape but as a fascinating systems challenge at planetary scale, we want you. If you are excited about building impactful AI that safeguards millions of dollars, opens doors for founders globally, and helps shape the future of banking, we would love to explore this journey together. *Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

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.

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.

Role Overview Mercury is searching for a Senior Sales Recruiter to help grow our team. This position partners closely with internal teams to identify, attract, and hire experienced sales professionals across multiple markets. The Senior Sales Recruiter will play a key role in refining recruitment strategies, supporting a smooth hiring process, and strengthening Mercury’s reputation as an employer. 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.

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.

Join Mercury as a Senior Associate in our Revenue Strategy team, where you will play a crucial role in shaping our growth and driving strategic initiatives. You will work closely with cross-functional teams to analyze revenue performance, develop actionable insights, and implement strategies that maximize profitability. Your analytical skills and strategic mindset will be essential as you navigate complex business challenges and contribute to our mission of empowering startups and entrepreneurs.

Join Mercury as a Senior Counsel specializing in Product & Regulatory aspects for Investment Products. In this pivotal role, you will lead legal guidance on product development and regulatory compliance, ensuring our offerings meet the highest standards of integrity and innovation. Collaborate with cross-functional teams to address complex legal issues and drive strategic initiatives that align with our mission to empower businesses in the financial technology sector.