Greenhouse ·
full-timeAML Investigator III
Mercury · San Francisco, CA, New York, NY, Portland, OR, or Remote within United States
Mercury is a fintech company that provides a banking‑focused finance stack for startups, partnering with FDIC‑insured banks to offer checking, savings and payment services. Its AML Investigations team protects the platform and its users by detecting suspicious activity, reviewing alerts, conducting investigations and filing reports when needed. The AML Investigator III role focuses on handling transaction‑monitoring queues, evaluating alerts from automated rules, and taking appropriate action such as contacting users for clarification, gathering information from partner banks, and deciding whether to restrict or close accounts. The investigator also works on refining monitoring rules, managing case files, documenting findings, and helping build tools and processes that improve efficiency. Day‑to‑day work involves reviewing ACH, wire, card and check transactions, understanding typical activity for various startup businesses, communicating clearly with customers and internal stakeholders, and contributing to the continuous improvement of the AML program. The position suits candidates with prior experience in anti‑money laundering, fraud detection or financial‑crime monitoring in banking or fintech, familiarity with domestic and international payment methods, strong analytical and communication skills, empathy when dealing with users, and a problem‑solving mindset aimed at automating repetitive tasks.
Mercury is building a complete finance stack for startups. We work hard to create the easiest and safest banking* experience possible to simplify entrepreneurs' and business owners’ financial lives.The challenge is to do so while ensuring we protect Mercury, customers and the broader financial ecosystem from bad actors and harmful, illegal or unauthorized activities. Our AML Investigations team is crucial in this mission and is responsible for detecting suspicious activity, conducting thorough investigations, and shutting down bad actors. This team is growing and we’re looking to hire an additional AML Risk Investigator to help us with Bank Partner Requests for Information, Transaction Monitoring, Financial Crime Investigations, Case Management and drafting Unusual Activity Reports. As a member of our Investigations team, you’ll help handle our transaction monitoring queues while balancing an eagle eye for risk with excellent user experience. To begin with, you’ll work to help make sure we have smart, risk-based monitoring in place and help build out our case management technology and processes. You’ll need to learn how a really wide range of businesses work and bring your knowledge to bear on our processes and product. Some of this work is repetitive and requires close attention to detail, so we need someone who loves working fraud and anti-money laundering transaction queues and managing a variety of complex investigations. * Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. As part of the journey, we would expect you to: Provide input as we implement new transaction monitoring rules and tune existing ones Review AML, and other financial crime alerts in our transaction monitoring queue and take action as needed Contact our users for information on their account usage and transactions Work with our partners and internal team members to review and assess information received from users Investigate and respond to Requests for Information (RFIs) from our Partner Banks, delivering clear, well-supported AML reviews on customer’s account activity Decision user accounts as needed, including locking or closing accounts Develop an understanding of expected activity for each type of user we work with Document investigative findings and escalate unusual or potentially suspicious activity to our Partners for SAR consideration Develop an unfailing eye for potential fraud or money laundering Investigate tools that would make your job easier Write clear documentation on current processes and help train future teammates Some things that might make you successful in a role like this: Have experience in identifying money laundering, detecting fraud, or other financial crimes related behavior in banking, fintech, or other financial services through vendor AND in-house developed transaction monitoring rules Be fluent in the language of bank transactions, including ACH, check, debit card, credit card, and wire transfers, both domestic and international Understand the business banking landscape and have familiarity with international activity and ownership Exercise empathy and understanding when communicating with users Communicate complicated concepts with efficiency and clarity, both in speech and writing Manage relationships with external parties with confidence and kindness Work with efficiency and focus Understand how to keep an organized and clean inbox Love problem solving and making teams, product, and processes more efficient Derive joy from customer joy Enjoy thinking about how to automate as much of your job as possible Be curious about the US banking system, startups, and ecommerce companies Mercury values diversity & belonging and is proud to be an Equal Employment Opportunity employer. All individuals seeking employment at Mercury are considered without regard to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, sexual orientation, or any other legally protected characteristic. We are committed to providing reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs. If you need assistance, or an accommodation, please let your recruiter know once you are contacted about a role. #LI-DNI Total Rewards The total rewards package at Mercury includes base salary, equity (stock options/RSUs), 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. Our target new hire base salary ranges for this role are the following : US employees in New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $121,700 — $152,100
| Role | AML Investigator III |
|---|---|
| Company | Mercury |
| Location | San Francisco, CA, New York, NY, Portland, OR, or Remote within United States |
| Type | full-time |
| Compensation | Not disclosed |
| Posted | 2026-10-13 |
| Deadline | Rolling |
Typical process for this type of role
A general guide — the exact steps for this specific listing may vary; check the original posting for details.
- 1ApplicationSubmit your resume through the apply link.
- 2ScreeningRecruiter reviews your background against the role.
- 3AssessmentA technical test, assignment, or coding round, depending on the role.
- 4Interview(s)One or more rounds with the hiring team.
- 5OfferOffer letter with compensation and start date.
Before you apply
0/4AML Investigator III at Mercury: frequently asked questions
- What is the salary for this role?
- Mercury has not stated compensation in the listing. Check the original posting or ask during the application process.
- Is the AML Investigator III position remote, hybrid or onsite?
- The listing marks this role as remote, with San Francisco, CA, New York, NY, Portland, OR, or Remote within United States as the location.
- What is the application deadline?
- Mercury has not listed a fixed deadline, so apply early in case the opening is filled.
- How do I apply for the AML Investigator III role?
- Use the Apply button on this page. It opens the original listing on job-boards.greenhouse.io, where you submit your application with the company.
More at Mercury
Other jobs at Mercury
- Workplace Experience Specialist - NYC · New York, NY
- Senior Recruiter - GTM · San Francisco, CA, New York, NY, Portland, OR, or Remote within Canada or United States
- Sales Recruiter · San Francisco, CA, New York, NY, Portland, OR, or Remote within Canada or United States
- Business Continuity Management Lead · San Francisco, CA, New York, NY, Portland, OR, or Remote within Canada or United States
- Risk UX Specialist · San Francisco, CA, New York, NY, Portland, OR, or Remote within United States
Explore Related Placements
// similar opportunities
You might also like
Senior Manager - Compliance Governance
Mercury
Mercury is building radically different banking and offering a complete finance stack for startups and business owners. We work hard to create the easiest and s...
Senior Revenue Enablement Specialist - Product
Mercury
In the early days of Silicon Valley, the most powerful ideas spread not through ads or algorithms, but through conversation. It was founders sharing lessons ove...
Talent Investor - Venture Studio
Founders Factory
About Founders Factory: Founders Factory is a venture studio and accelerator. We build technology companies from scratch, working with leading corporate partner...
Lead Fraud & AML Ops
Pennylane SAS
Vous cherchez un environnement professionnel stimulant basé sur l'autonomie et la confiance ? Pennylane vous offre l'opportunité de grandir au sein d'une entrep...
AML Compliance Senior Officer
Swile
Pourquoi rejoindre l'aventure Swile ? Depuis son lancement en 2018, Swile a révolutionné le marché des avantages salariés. En digitalisant la gestion et l’utili...
Senior Auditeur Interne
Seyna
Chez Seyna, notre mission est simple: permettre aux professionnels de l'assurance de protéger ceux qui voient grand. Rejoins notre mission ! 🚀 Seyna est un ass...