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 Refres