Senior Risk Program Manager leading bank-charter readiness, reporting, and continuous improvement. Improving fraud and disputes operations at Mercury, a fintech building financial services for startups.
Responsibilities
Translate chartered-bank regulatory expectations, including Reg E, card network rules, and examiner standards, into sequenced work plans
Build Bank Charter Readiness programs from zero to one, defining scope, milestones, dependencies, and risks
Maintain audit readiness through current SOPs, traceable decisions, defensible evidence, and clean documentation
Coordinate regulator, auditor, and partner-bank inquiries with Compliance, Legal, and Operations
Own Operational Quality Reviews and Monthly CORs Reviews for Fraud and Disputes
Define and track operational health measures, team goals, and OKRs
Build reporting and dashboards for leadership decision-making
Raise risks, make trade-offs explicit, and drive decisions to closure with cross-functional partners
Analyze quality, productivity, and compliance data across Fraud, Disputes, and Risk UX
Convert findings into process, tooling, and reporting improvements
Route root causes to QC, Learning & Development, and Operations teams and confirm fixes
Establish continuous improvement programs and measure results
Requirements
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
Direct experience working with regulators, examiners, auditors, or sponsor banks, such as exam preparation, findings remediation, or regulatory responses
Experience building programs from zero to one, from ambiguous problem to measurable result, with impact beyond the immediate team
2+ years of experience governing BPO or other outsourced operations, focused on 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
Ability to define metrics, build or interpret dashboards, and explain data meaning
Experience using AI and automation to improve work processes
Nice to have: Lean Six Sigma certification (Green Belt or above) or equivalent continuous improvement experience
Nice to have: ISO quality credentials, such as ISO 9001 Lead Auditor or Implementer, or similar quality management background
Nice to have: PMI certification (PMP, PgMP) or equivalent
Nice to have: Experience with Prosci/ADKAR, ITIL-style incident and problem management, QC program design, workforce management, learning and development, card network dispute rules and platforms, Risk UX, or high-growth environments
Benefits
Base salary
Equity (stock options/RSUs)
Benefits
Competitive salary and equity ranges
Reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs
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