Senior Engineering Manager - Risk

Job Description

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 Senior Engineering Manager to lead the teams 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. *​​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: Lead teams (4–8 engineers each) responsible for account onboarding, KYC/KYB, AML, and fraud detection decisioning and workflows, and operational tooling. Apply AI/ML—from traditional models to large language models—to unlock faster, real-time bank account application approvals. This work sits on the critical business path, directly driving efficiency and revenue growth. Partner with Product, Risk, and Data teams to design and deliver scalable systems that balance user experience with compliance rigor. Shape the next generation of our KYC and risk platforms—reliable, resilient, and easy to extend as regulations and business needs evolve. Create a strong culture of operational excellence, with measurable improvements to uptime, accuracy, and system quality. Build, mentor, and grow engineering talent; help managers and senior engineers level up technically and organizationally. Drive clarity amid complexity: translating between regulatory nuance and technical execution. Foster collaboration across teams to align on priorities, simplify interfaces, and make the whole system more maintainable and elegant. You should have: <

Required Skills