Staff Software Engineer - Fraud

Every new business that applies to Mercury is like a new star appearing in the night sky. On its own, it’s a single point of light. But when we look closer, patterns emerge—data trails from partners, filings, founders, and financial histories—all connecting to form a larger constellation.

That’s what our Risk product engineering teams do at Mercury. We guide thousands of business applications through our systems—each one unique, each one needing a smooth and trustworthy landing. The challenge: keep everything moving fast without compromising safety. Every day, our work helps founders open their first account, launch their next idea, and accelerate their growth like rocketships.

Our mission is to build the intelligent, automated systems and operational tools that make this possible—where machine learning, AI, and human judgment work seamlessly together to power the next generation of business banking*. We use intelligence to detect risks earlier, make real-time decisions with confidence, and enable instant, delightful account approvals that keep pace with the builders we serve.

When we do it right, the result is quiet brilliance: onboarding that feels effortless, even though it’s powered by galaxies of data, precision, and care.

We’re looking for a Staff Software Engineer to contribute with building the systems and tools that make it all happen—from application approvals to ongoing and enhanced due diligence—ensuring every business that joins Mercury is both safe and their experience is delightful.

As part of this role, you will

• Lead the architecture, implementation, and long-term roadmap for core systems which support multiple fraud prevention use cases.
• Own the end-to-end delivery of large cross-function projects, translating ambiguous high impact problems into strategy and execution, make pragmatic tradeoffs, and drive teams to measurable outcomes.
• Design, build, and operate highly available, low-latency, backend systems that enable real-time scoring and decisioning for fraud prevention.
• Partner with Data Science and ML teams to productionize models, build reliable ML data pipelines, and enable real-time model serving.
• Establish and elevate department level best practices, review designs, drive engineering quality, and act as a trusted advisor on architectural tradeoffs.
• Mentor and grow engineers, documenting learnings and sharing technical direction through writing, 1:1s, and team meetings
• Navigate and influence multiple stakeholders, help align teams, communicate tradeoffs to technical and non-technical partners, and independently resolve cross team issues.

The ideal candidate for the role

• Has 7-10+ years of software development experience, with a strong focus on the backend, with a knowledge of or excitement to learn Haskell.
• Has been an experienced technical lead making architectural decisions in the past and seen the impact of those decisions over time. You should be able to clearly articulate your technical opinions and lay out tradeoffs.
• Is passionately product-minded and has experience building and shipping new products balancing reliability and velocity.
• Is someone comfortable driving discussions in areas with ambiguous ownership, approaches them with empathy, and delights in getting outcomes. Our work touches many other teams and areas of the product; you’ll have a lot of autonomy and the expectation is you’ll use that to seek out ways to have an impact.
• Is ridiculously helpful, taking initiative to make your coworkers’ lives easier by investing time to mentor and proactively share your knowledge and learnings through writings, 1:1s, and team meetings.
• Experience in fintech, fraud systems, or the broader risk domain is a strong plus.

If this role interests you, we invite you to explore our public demo at personal-demo.mercury.com. 

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 (any location): $239,000 - $298,800
• Canadian employees (any location): CAD 225,900 - 282,400

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

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.] 

#LI-RA1