Mercury
Banking for startups: mercury.com
Senior Software Engineer – Risk, AI & Automation
Full-stack EngineerSoftware EngineerFull TimeRemoteTeam 201-500Since 2019H1B SponsorCompany SiteLinkedIn
Location
California + 2 moreAll locations: California, New York, Oregon
Posted
57 days ago
Salary
$200.7K - $250.9K / year
Bachelor Degree5 yrs expEnglishDistributed Systems
Job Description
• Drive AI Product Development in Risk: You’ll help shape the architecture and implementation of AI-powered risk systems—from application approvals to ongoing and enhanced due diligence—turning messy, ambiguous signals into clear outcomes.
• Collaborate Across Functions: You’ll partner with Product, Design, Risk Strategy, Compliance, and Operations to translate evolving regulatory and operational needs into elegant, resilient software.
• Lead Projects End-to-End: Drive technical projects from concept to production across the stack.
• Craftsmanship: Write clear, testable, and maintainable code.
• Drive Quality & Scalability: Design extensible platform systems that create leverage, make balanced decisions on tech debt, plan careful rollouts, and own the quality of your work through post-launch monitoring.
• Operational Excellence: Model a strong culture of operational excellence, holding a high bar for observability, reliability, and incident response.
• Think Product, Not Just Code: Approach problems with a product mindset.
Job Requirements
- 5+ years of software engineering experience, preferably in Payments or Risk.
- Agentic AI expertise—you’ve built and launched applied Agentic AI products that have had strong business impact, shipping them from 0→1 and scaling 1→10 in production environments.
- Proven success building large-scale distributed systems, ideally involving 3rd party integrations and decision automation.
- A mindset that balances urgency with craftsmanship: shipping fast, without cutting corners on quality engineering.
- A track record of raising the bar for quality and operational excellence, balancing shipping speed with technical excellence and observability.
- Creativity and adaptability — you think beyond the obvious and find solutions that move both product and business forward.
- Strong communication and leadership skills—you can inspire other engineers and articulate tradeoffs to influence decisions across teams.
- Experience with or curiosity about KYC, AML, risk, or compliance systems in financial services or fintech.
Benefits
- Competitive salary
- Equity
- Health insurance
- Professional development opportunities
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