Senior Software Engineer - Risk (AI & Automation)

Mercury is a fintech company focused on innovative banking solutions. They are seeking a Senior Software Engineer to drive the development of AI-powered risk systems, collaborating across functions to create resilient software that enhances operational efficiency and compliance workflows.

Responsibilities:

• 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 AI meets thoughtfully designed systems
• Lead Projects End-to-End: Drive technical projects from concept to production across the stack. Define solutions, analyze tradeoffs, make critical decisions, and deliver software that works today and is sustainable for tomorrow
• Craftsmanship: Write clear, testable, and maintainable code. Establish patterns and best practices that your team can follow, ensuring long-term scalability and reliability
• 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. You care as much about the business impact of what you build as the technical design
• Mentor & Elevate: Coach engineers on your team by sharing patterns, practices, and critical thinking to raise the technical bar and foster a culture of sustainable engineering

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