**Who this is for** This position is for a Senior Software Engineer with a passion for AI, risk management, and building systems that operate at scale. If you'r
Work type: remote
Location: San Francisco, CA, New York, NY, Portland, OR, or Remote within Canada or United States
Salary: $200,700 – $250,900/yr
Type: Full-time
**Who this is for** This position is for a Senior Software Engineer with a passion for AI, risk management, and building systems that operate at scale. If you're excited by the challenge of developing agentic AI systems that reason about risk, automate complex decisions, and operate within regulated environments like fintech, this role is an excellent opportunity. **Key highlights** As a Senior Software Engineer on the Risk team, you will be instrumental in building AI-powered risk systems that automate crucial processes like KYC and fraud detection. You'll drive AI product development, collaborate with cross-functional teams, and lead projects end-to-end, contributing to software that protects millions of dollars and enhances the founder experience. **You might be a good fit if you...** - Have 5+ years of software engineering experience, preferably in Payments or Risk. - Are energized by the idea of bringing intelligent automation to life in real production systems. - Can design and build AI-driven workflows that can think in steps and adapt to new information. - See compliance as a fascinating systems problem and have a strong product mindset.
Every new customer who applies for a Mercury bank account is like a new star igniting in the night sky. At first glance, it’s a single spark. But look closer, and a constellation emerges—identity and business verification, ownership and control checks, sanctions and adverse media screening, and fraud signals—all pulling on one another with invisible gravity.
The Risk Engineering team is the navigation system for this universe.
Our job is to guide thousands of ambitious people safely through Mercury’s orbit every day—each with its own trajectory, risk profile, and story. We operate at escape velocity: moving fast, making confident decisions, and protecting the system without slowing down the builders who rely on us. When we do our work well, founders open bank accounts in delightful minutes, not days—and never have to think about the complexity humming beneath the surface.
Now we’re entering a new era. We’re building agentic AI systems that don’t just score risk, but reason about it—systems that can investigate, decide, escalate, and learn. These agents will help power and automate our KYC Refresh, EDD, ODD, and compliance workflows, taking our operations to the next level of efficiency and scale. The goal: less manual toil, earlier risk detection, sharper decisions, and experiences that feel almost magical in their simplicity.
This is where you come in.
We’re looking for a Senior Software Engineer who is energized by the idea of bringing intelligent automation to life in real production systems. Someone who wants to design and build AI-driven workflows that can think in steps, adapt to new information, and orchestrate complex decisions across people, models, and services. Someone who sees compliance not as red tape, but as a fascinating systems problem at planetary scale.
If you’re excited to build agentic AI that matters—software that protects millions of dollars, unlocks opportunities for founders around the world, and helps shape the future of banking—we’d love to explore the universe together.
Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
### In this role, you will:
The total rewards package at Mercury includes base salary, equity (stock options/RSUs), 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:
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 ](https://getcovey.com/product/covey-scout-inbound)on January 22, 2024.
[[Please see the independent bias audit report covering our use of Covey for more information.]](https://getcovey.com/nyc-local-law-144)
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