Senior Risk Program Manager - Fraud & Disputes Enablement

What You'll Do:

• Lead Bank Charter Readiness

- Translate the regulatory expectations of a chartered bank (Reg E, card network rules, and the standards examiners apply) into clear, sequenced work plans owned by the right teams. - Build Bank Charter Readiness programs from zero to one: define scope, milestones, dependencies, and risks, and report progress to executives. - Keep teams audit-ready every day, with current SOPs, traceable decisions, defensible evidence, and clean documentation, so exam preparation never becomes a scramble. - Coordinate responses to regulator, auditor, and partner-bank inquiries with Compliance, Legal, and Operations.

• Lead Goal tracking, and Reporting for Fraud & Disputes

- Own the cadence and content of Operational Quality Reviews and Monthly CORs Reviews for Fraud and Disputes, from the data pull to the narrative to the follow-up actions. - Define and track ops health measures and team goals, including OKRs, so leaders can see what is on track, what is at risk, and why. - Build the reporting and dashboards leaders use to make decisions, and set up new reporting from scratch where none exists. - Raise risks early, make trade-offs explicit, and drive decisions to closure with partners who don't report to you.

• Use data for continuous improvement

- Analyze quality, productivity, and compliance data across Fraud, Disputes, and Risk UX to find the patterns behind recurring problems. - Turn those findings into durable process, tooling, and reporting improvements instead of one-off fixes. - Work with QC, L&D, and Operations leaders to route root causes to the team that can fix them, and confirm the fix worked. - Stand up new continuous improvement programs from zero to one and measure their results.

What You'll Bring:

• 5+ years of program management experience in risk, compliance, fraud, disputes, or operations at a bank, fintech, or other regulated financial services company.
• Banking experience, with working knowledge of how a regulated institution runs, and direct experience working with regulators, examiners, auditors, or sponsor banks (for example exam preparation, findings remediation, or regulatory responses).
• A record of building programs from zero to one, from ambiguous problem to measurable result, with impact beyond your immediate team.
• 2+ years of experience governing BPO or other outsourced operations, with a focus on governance: SLAs, performance and quality oversight, escalations, and regular business reviews.
• Strong understanding of risk operational processes in Fraud and/or Disputes, such as case handling, investigations, chargebacks, or Reg E error resolution.
• Comfort with data: you can define metrics, build or interpret dashboards, and explain what the numbers mean.
• Experience using AI and automation to improve how work gets done, for example synthesizing evidence and documentation, drafting and maintaining SOPs, analyzing QC and vendor data, summarizing incidents, and automating status reporting.

Total Rewards:

• 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:

- US employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $154,200 — $192,800 USD - US employees outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $138,800 — $173,500 USD - Canadian employees (any location): $145,800 — $182,200 CAD