Risk Investigator - Third Party/ATO Fraud

Join Mercury as a Risk Investigator focusing on Account Takeover fraud. Protect customers by investigating fraud incidents, coordinating recovery efforts, and improving security processes. We're looking to hire a Fraud Investigator to join our Account Fraud team, with a focus on Account Takeover (ATO) and other forms of third party fraud.

• •Lead complex investigations into suspected account takeover (ATO) incidents, exercising sound judgment to determine risk, containment, and recovery strategies.
• •Own end-to-end response for high-impact and executive-visible ATO cases, serving as a primary coordinator across Fraud, Customer Support, Product, Engineering, Compliance, Legal, and Leadership.
• •Communicate directly with customers during sensitive account security incidents, providing timely, empathetic guidance throughout the investigation and recovery process.
• •Help develop and continuously improve ATO investigation policies, playbooks, and operational workflows to increase consistency, quality, and speed to response.
• •Partner with Product, Engineering, and Risk teams to identify detection gaps and recommend improvements to authentication controls, fraud detection systems, and customer security features.
• •Escalate emerging account takeover trends, attacker behaviors, and fraud vectors, working with leadership and partner teams to turn findings into actionable operational and product improvements.
• •Provide subject matter expertise during critical incidents and help guide investigation strategy for the team's most complex and high-risk cases.
• •Identify opportunities to automate repetitive investigative tasks and improve tooling, operational efficiency, and customer experience.
• •Maintain clear, defensible investigative documentation that supports internal decision-making, regulatory requirements, and cross-functional collaboration.
• •Mentor teammates by sharing investigative best practices, reviewing complex cases, and contributing to onboarding and training materials.

• •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.