Senior Account Fraud QC Investigator

Senior Account Fraud QC Investigator at Mercury

Mercury is building a banking stack for startups. We work hard to create the easiest and safest banking experience possible to simplify entrepreneurs' and business owners’ financial lives.

We’re looking to hire a Senior Account Fraud QC Investigator to support quality control for account fraud alert investigations across Mercury’s consumer and business banking products. This will be the first QC hire for the Account Fraud team and a key contributor in shaping the quality framework for our newly launched BPO partnership.

As a Senior Account Fraud QC Investigator, you will be responsible for designing, implementing, and executing fraud quality processes and procedures. This includes conducting quality assessments of fraud alert investigations, creating reports and dashboards, performing quality trend analysis, and translating quality insights into actionable improvements. You’ll also leverage your fraud and QC expertise to contribute directly to projects that advance Mercury’s account fraud program and help scale high-quality decision-making across internal teams and external partners.

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

What You'll Do

• Be the first dedicated QC hire for Account Fraud, building formal QC coverage for both the internal team and our BPO partner.
• Complete manual quality reviews of account fraud alert investigations, evaluating decisioning, investigative thoroughness, documentation quality, and SOP/policy adherence (plus regulatory expectations where applicable).
• Partner with Account Fraud leadership to define what “good” looks like and help stand up the QC program: quality standards, scorecards/scoring, sampling approach, defect severity, and escalation paths, especially for BPO-reviewed work.
• Create dashboards, metrics, and trend reporting to surface accuracy, consistency, recurring error drivers, and risk across investigators and vendors.
• Translate individual review findings into program-level insights and recommendations (training/coaching needs, SOP gaps, workflow/tooling improvements).
• Lead and participate in calibration sessions with internal teams and BPO partners to align on scoring and ensure consistent investigation outcomes.
• Deliver timely, specific, and empathetic quality feedback to investigators, team leads, and partners; support coaching and reinforcement of standards.
• Help document, refine, and scale QC processes and procedures as the account fraud program grows.
• Stay current on fraud typologies, industry best practices, policy changes, and regulatory expectations to keep quality standards up to date.
• Support audits, BPO readiness/launch activities, and special projects tied to fraud quality and scalability.

What You Should Bring

• 4+ years in finance/fintech fraud operations, ideally in account fraud and/or transaction monitoring, with direct exposure to investigations and QC.
• Strong fraud QC instincts: able to clearly explain how you assess investigation quality across decisioning, documentation, investigative depth, and procedural adherence.
• Experience building, improving, or operationalizing a QC program (e.g., refining scorecards, setting scoring standards, building calibration, creating feedback loops).
• Experience working with or helping oversee BPO/vendor-managed fraud operations, including driving alignment and accountability through quality oversight.
• A proactive builder who’s comfortable creating structure in ambiguity, operating independently, and moving from findings to action quickly.
• A solid understanding of banking products and fraud risk across ACH, wires, checks, debit cards, and account-level activity.
• Exercise empathy and good judgment when delivering quality feedback, while maintaining a high bar for consistency and risk control.
• Communicate findings and recommendations clearly to operational teams, senior leadership, and external partners, and influence without direct authority.

Compensation and Benefits

The total rewards package at Mercury includes base salary, equity (stock options), and benefits. Our 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. New hire offers are made based on a candidate’s experience, expertise, geographic location, and internal pay equity relative to peers.

Our target new hire base salary ranges for this role are the following:

• US employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $121,700 - $152,100
• US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $109,500 - $136,900
• Canadian employees (any location): CAD $115,000 - $143,700

Diversity & Inclusion

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 process for applicants with disabilities or special needs. If you need assistance, or an accommodation, please let your recruiter know once you are contacted about a role.

We use Covey as part of our hiring and / or promotional process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on January 22, 2024.

[Please see the independent bias audit report covering our use of Covey for more information.]

Key skills/competency

• Fraud Detection
• Quality Control
• Fintech Operations
• BPO Management
• Risk Analysis
• Compliance
• Account Fraud Investigation
• Transaction Monitoring
• Process Improvement
• Data Analysis & Reporting