Senior Software Engineer - Risk (AI & Automation)

Every new customer who applies for a Mercury bank* account is like a new star igniting in the night sky. At first glance, it’s a single spark. But look closer, and a constellation emerges—identity and business verification, ownership and control checks, sanctions and adverse media screening, and fraud signals—all pulling on one another with invisible gravity. The Risk Engineering team is the navigation system for this universe. Our job is to guide thousands of ambitious people safely through Mercury’s orbit every day—each with its own trajectory, risk profile, and story. We operate at escape velocity: moving fast, making confident decisions, and protecting the system without slowing down the builders who rely on us. When we do our work well, founders open bank accounts in delightful minutes, not days—and never have to think about the complexity humming beneath the surface. Now we’re entering a new era. We’re building agentic AI systems that don’t just score risk, but reason about it—systems that can investigate, decide, escalate, and learn. These agents will help power and automate our KYC Refresh, EDD, ODD, and compliance workflows, taking our operations to the next level of efficiency and scale. The goal: less manual toil, earlier risk detection, sharper decisions, and experiences that feel almost magical in their simplicity. This is where you come in. We’re looking for [... source excerpt omitted ...] universe together. *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: 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. And you’ll push the frontier of what’s possible when modern [... source excerpt omitted ...] y 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. A mindset that balances urgency with craftsmanship: shipping fast, without cutting corners on quali