Senior Data Scientist - Fraud - Remote

Overview

Mercury is building the financial stack for startups. We’re here to make banking intuitive, powerful, and safe for entrepreneurs and businesses of all sizes. We started by imagining what the best banking platform for startups would look like, and several years later we have hundreds of thousands of customers using Mercury’s products. As we continue to scale, protecting our customers and Mercury from fraud - while still ensuring the seamless customer experience we have come to be known for - is critical.

We are hiring a Data Scientist to join our Fraud and Limits team. This team is responsible for detecting, monitoring, and mitigating both first-party fraud (fraudulent applicants) and account takeover (ATO). You’ll play a key role in strengthening our fraud defenses while ensuring that Mercury continues to deliver a smooth and trustworthy banking experience.

In Short

• Develop dashboards and monitoring systems to track key fraud and account health metrics.
• Conduct deep-dive analyses to understand fraud trends and behaviors, and translate findings into actionable recommendations.
• Build, validate, and deploy machine learning models to identify and prevent fraud in real time.
• Support ad hoc investigations and ensure data quality and reliability across pipelines and tools.
• Collaborate with Risk Strategy and Engineering to optimize rules, scoring systems, and other fraud defenses.
• Partner with cross-functional teams (Engineering, Product, Design, Operations) to embed data insights into decision-making.

Requirements

• 5+ years of experience working with and analyzing large datasets to solve problems and drive impact, with 1+ years of relevant domain experience.
• Proficiency in SQL and experience using it to understand and manage imperfect data.
• Proficiency in Python and experience with statistical modeling and machine learning.
• Experience deploying and monitoring machine learning models in production.
• The ability to balance high-leverage projects with foundational work such as reporting, dashboarding, and exploratory analyses.
• Comfort working in a fast-paced environment with evolving priorities.

Benefits

• The total rewards package at Mercury includes base salary, equity (stock options), and benefits.
• Our salary and equity ranges are highly competitive within the SaaS and fintech industry and are updated regularly using the most reliable compensation survey data for our industry.
• New hire offers are made based on a candidate’s experience, expertise, geographic location, and internal pay equity relative to peers.