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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