Every new business that applies to Mercury is like a new star appearing in the night sky. On its own, it’s a single point of light. But when we look closer, patterns emerge—data trails from partners, filings, founders, and financial histories—all connecting to form a larger constellation.

That’s what our Risk product engineering teams do at Mercury. We guide thousands of business applications through our systems—each one unique, each one needing a smooth and trustworthy landing. The challenge: keep everything moving fast without compromising safety. Every day, our work helps founders open their first account, launch their next idea, and accelerate their growth like rocketships.

Our mission is to build the intelligent, automated systems and operational tools that make this possible—where machine learning, AI, and human judgment work seamlessly together to power the next generation of business banking*. We use intelligence to detect risks earlier, make real-time decisions with confidence, and enable instant, delightful account approvals that keep pace with the builders we serve.

When we do it right, the result is quiet brilliance: onboarding that feels effortless, even though it’s powered by galaxies of data, precision, and care.

We’re looking for a Senior Engineering Manager to lead the teams building the systems and tools that make it all happen—from application approvals to ongoing and enhanced due diligence—ensuring every business that joins Mercury is both safe and their experience is delightful.

*​​Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

In this role, you will:

• Lead teams (4–8 engineers each) responsible for account onboarding, KYC/KYB, AML, and fraud detection decisioning and workflows, and operational tooling.
• Apply AI/ML—from traditional models to large language models—to unlock faster, real-time bank account application approvals. This work sits on the critical business path, directly driving efficiency and revenue growth.
• Partner with Product, Risk, and Data teams to design and deliver scalable systems that balance user experience with compliance rigor.
• Shape the next generation of our KYC and risk platforms—reliable, resilient, and easy to extend as regulations and business needs evolve.
• Create a strong culture of operational excellence, with measurable improvements to uptime, accuracy, and system quality.
• Build, mentor, and grow engineering talent; help managers and senior engineers level up technically and organizationally.
• Drive clarity amid complexity: translating between regulatory nuance and technical execution.
• Foster collaboration across teams to align on priorities, simplify interfaces, and make the whole system more maintainable and elegant.

You should have:

• 9+ years of software development experience, including 3–5+ years of engineering management in a high-scale tech environment.
• AI/ML expertise—you’ve built and launched applied AI products (from LLMs to traditional ML models), shipping them from 0→1 and scaling 1→10 in production environments.
• Proven success building large-scale backend distributed systems, ideally involving integrations and decision automation.
• Experience with or curiosity about KYC, AML, risk, or compliance systems in financial services or fintech.
• A track record of raising the bar for quality and reliability, balancing shipping speed with technical excellence.
• Strong communication and leadership skills—you can inspire engineers, partner across functions, and adapt your management style to the moment.
• The ability to hire, retain, and develop exceptional technical talent.
• A pragmatic builder’s mindset: you believe beautiful systems are those that work, adapt, and last.

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 (any location): $239,000 - $298,800
• Canadian employees (any location): CAD $225,900 - $282,400

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.

We use Covey as part of our hiring and / or promotional process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on January 22, 2024. 

[Please see the independent bias audit report covering our use of Covey for more information.] 

#LI-RA1

Every new business that applies to Mercury is like a new star appearing in the night sky. On its own, it’s a single point of light. But when we look closer, patterns emerge—data trails from partners, filings, founders, and financial histories—all connecting to form a larger constellation.

That’s what our Risk product engineering teams do at Mercury. We guide thousands of business applications through our systems—each one unique, each one needing a smooth and trustworthy landing. The challenge: keep everything moving fast without compromising safety. Every day, our work helps founders open their first account, launch their next idea, and accelerate their growth like rocketships.

Our mission is to build the intelligent, automated systems and operational tools that make this possible—where machine learning, AI, and human judgment work seamlessly together to power the next generation of business banking*. We use intelligence to detect risks earlier, make real-time decisions with confidence, and enable instant, delightful account approvals that keep pace with the builders we serve.

When we do it right, the result is quiet brilliance: onboarding that feels effortless, even though it’s powered by galaxies of data, precision, and care.

We’re looking for a Staff Software Engineer to contribute with building the systems and tools that make it all happen—from application approvals to ongoing and enhanced due diligence—ensuring every business that joins Mercury is both safe and their experience is delightful.

As part of this role, you will:

• Lead the architecture, implementation, and long-term roadmap for core systems which support multiple fraud prevention use cases.
• Own the end-to-end delivery of large cross-function projects, translating ambiguous high impact problems into strategy and execution, make pragmatic tradeoffs, and drive teams to measurable outcomes.
• Design, build, and operate highly available, low-latency, backend systems that enable real-time scoring and decisioning for fraud prevention.
• Partner with Data Science and ML teams to productionize models, build reliable ML data pipelines, and enable real-time model serving.
• Establish and elevate department level best practices, review designs, drive engineering quality, and act as a trusted advisor on architectural tradeoffs.
• Mentor and grow engineers, documenting learnings and sharing technical direction through writing, 1:1s, and team meetings
• Navigate and influence multiple stakeholders, help align teams, communicate tradeoffs to technical and non-technical partners, and independently resolve cross team issues.

The ideal candidate for the role:

• Has 7-10+ years of software development experience, with a strong focus on the backend, with a knowledge of or excitement to learn Haskell.
• Has been an experienced technical lead making architectural decisions in the past and seen the impact of those decisions over time. You should be able to clearly articulate your technical opinions and lay out tradeoffs.
• Is passionately product-minded and has experience building and shipping new products balancing reliability and velocity.
• Is someone comfortable driving discussions in areas with ambiguous ownership, approaches them with empathy, and delights in getting outcomes. Our work touches many other teams and areas of the product; you’ll have a lot of autonomy and the expectation is you’ll use that to seek out ways to have an impact.
• Is ridiculously helpful, taking initiative to make your coworkers’ lives easier by investing time to mentor and proactively share your knowledge and learnings through writings, 1:1s, and team meetings.
• Experience in fintech, fraud systems, or the broader risk domain is a strong plus.

If this role interests you, we invite you to explore our public demo at personal-demo.mercury.com. 

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.

Our target new hire base salary ranges for this role are the following:

• US employees (any location): $239,000 - $298,800
• Canadian employees (any location): CAD 225,900 - 282,400

*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

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.

We use Covey as part of our hiring and / or promotional process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on January 22, 2024. 

[Please see the independent bias audit report covering our use of Covey for more information.] 

#LI-RA1

Since the dawn of aviation, pilots have faced the constant challenge of air resistance, much like sailors navigating the friction of water. Amidst this relentless struggle, the trim tab emerges as an ingenious yet understated marvel. Just as the wheel revolutionized transportation by easing movement over land, the trim tab simplifies flight, allowing for smoother navigation through the skies. It embodies the elegance of simplicity in engineering, transforming the demanding task of controlling an aircraft into a more graceful and manageable endeavor.

At Mercury, we are committed to crafting an exceptional banking* experience for startups. Our team is passionately focused on ensuring our product not only meets but anticipates the needs of our customers.

Our product engineering group is growing and we’re looking to hire backend and full-stack engineers. We’re a team of pragmatic, product-minded engineers motivated by the desire to create lovable products that rescue our customers from frustrating, expensive legacy industry tools. 

As part of this role, you will:

• Feel a strong sense of product ownership and actively seek responsibility – we often self-organize on small/medium projects, and we want someone excited to help shape and build Mercury’s future.

• Work in an autonomous environment on a close-knit team, with a “startup within a startup” feel. 

• Partner closely with designers and product leaders to ship lovable experiences. We want to transcend the status quo for banking and fintech software, and many of our customers are startups and appreciate our slick, magical designs.
• Join a small but mighty team of experienced product engineers within one of our Mercury product groups (Banking, Everyday Experiences, Expansion, Risk). 

The ideal candidate for the role:

• Has 1-4 years of backend or full-stack development experience, with knowledge of or excitement to learn Haskell, React, TypeScript, and Redux.

• Is passionately product-minded and has experience building and shipping new products.
• Empathizes with users and can channel their perspective to build lovable products.
• Can balance tradeoffs and find creative solutions to accomplish goals.
• Communicates and collaborates effectively with peers and cross-functional counterparts.

If this role interests you, we invite you to explore our public demo at demo.mercury.com. 

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 (any location): $122,400 - $158,400 USD
• Canadian employees (any location): CAD 115,700 - 149,700

*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

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.

We use Covey as part of our hiring and / or promotional process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on January 22, 2024. Please see the independent bias audit report covering our use of Covey here.

#LI-DNI

The year is 1969. The location: Stuttgart, West Germany. Engineers are pacing with strained expressions. They are looking over the Porsche 917, the company's latest attempt at a race car. It's not working properly. The car is one of the most powerful ever built. But drivers describe it as terrifyingly unstable… "a monster". Despite this, Porsche runs it in Le Mans to disastrous results. One of the cars crashes on lap one, ending in tragedy for its driver. All other 917s break down in the race.

Enter John Wyer, a British race engineer, whom the factory calls upon for help. After a long day of testing, John recognizes a lack of smashed bugs on the rear wing and deduces that the wing is not working properly. The team modifies the design to be more upward swept and the 917K takes on a new winning character. It wins LeMans outright in 1970 and goes on to be the most successful race car design of the 70s. Stability, it turns out, was the missing ingredient.

Mercury prides itself in providing powerful banking* services. But if those services aren’t reliable, Mercury will fail. The Stability team exists to help product engineers see patterns of instability and remedy them. We champion and improve observability. We've helped define incident response. We have introduced and support robust background work processing. We monitor and build tooling around platform and database health. And with your help, we will explore how to make Mercury even more reliable.

As part of this role, you will:

• Lead Projects End-to-End: Drive technical projects from concept to production. Define solutions, analyze tradeoffs, make critical decisions, and deliver software that works today and is sustainable for tomorrow.
• Champion Reliability: Make technical choices that improve the reliability of Mercury's systems and make it easier to get reliability by default. Participate in Stability's on-call and advocate for improvements based on that experience.
• Measure Your Outcomes: Define and collect metrics that show how your work creates value for the business.
• Approach Code with Craft: Write clear, testable, and maintainable code. Establish patterns and best practices that Engineering can follow, ensuring long-term scalability and reliability.
• Build for Quality & Sustainability: Design extensible systems, make balanced decisions on tech debt, plan careful rollouts, and own the quality of your work through post-launch monitoring.
• Improve the Developer Experience: Approach problems with a product mindset. Get close to internal customers by supporting them and getting feedback from them. You care as much about the business impact of what you build as the technical design.

The ideal candidate for this role:

• Has expertise in PostgreSQL with query optimization, tuning, replication, pooling/proxying, or client-side libraries
• Has worked with other data systems supporting a relational database: event streaming, OLAP, caches, etc
• Has authored and operated Temporal workflows
• Is familiar with tracing and OpenTelemetry
• Has learned by leading moderate-to-large technical projects, including planning, execution, and stakeholder management
• Has past Site Reliability Engineering or DevOps experience
• Has Haskell or other functional programming experience

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 job 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 (any location): $166,600 - 250,900
• Canadian employees (any location): CAD $157,400 - 237,100

*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

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.

We use Covey as part of our hiring and / or promotional process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on January 22, 2024. 

[Please see the independent bias audit report covering our use of Covey for more information.] 

#LI-ME1

Since the dawn of aviation, pilots have faced the constant challenge of air resistance, much like sailors navigating the friction of water. Amidst this relentless struggle, the trim tab emerges as an ingenious yet understated marvel. Just as the wheel revolutionized transportation by easing movement over land, the trim tab simplifies flight, allowing for smoother navigation through the skies. It embodies the elegance of simplicity in engineering, transforming the demanding task of controlling an aircraft into a more graceful and manageable endeavor. 

At Mercury, we are committed to crafting an exceptional banking* experience for startups. Our team is passionately focused on ensuring our product not only meets but anticipates the needs of our customers.

Our product engineering group is growing and we’re looking to hire senior full-stack engineers. We’re a team of pragmatic, product-minded engineers motivated by the desire to create lovable products that rescue our customers from frustrating, expensive legacy industry tools. 

As part of this role, you will:

• Feel a strong sense of product ownership and actively seek responsibility – we often self-organize on small/medium projects, and we want someone excited to help shape and build Mercury’s future.
• Work in an autonomous environment on a close-knit team, with a “startup within a startup” feel.
• Partner closely with designers and product leaders to ship lovable experiences. We want to transcend the status quo for banking and fintech software, and many of our customers are startups and appreciate our slick, magical designs.
• Join a team of experienced product engineers within one of our Mercury product groups such as Banking, Experiences, Expansion, or Risk. 

The ideal candidate for the role:

• Has 3-7 years of full-stack development experience, with knowledge of or excitement to learn Haskell, React, TypeScript, and Redux.
• Empathizes with users and can channel their perspective to build lovable products.
• Can balance tradeoffs and find creative solutions to accomplish goals.
• Communicates and collaborates effectively with peers and cross-functional counterparts.

If this role interests you, we invite you to explore our public demo at demo.mercury.com. 

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 (any location): $166,600 - $208,300
• Canadian employees (any location): CAD 157,400 - 196,800

*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

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.

We use Covey as part of our hiring and / or promotional process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on January 22, 2024. Please see the independent bias audit report covering our use of Covey here.

#LI-DNI

Imagine being a pioneer, venturing through the uncharted territories of the cloud. You're not just navigating; you're shaping the landscape, constructing robust architectures that withstand the tests of time and scale. At Mercury, your mission, should you choose to accept it, is to help steer our cloud infrastructure into the future. With projects as dynamic as migrating our entire fleet to ECS and building out our golden paths for service deployment, your role is pivotal. This isn't just a job; it's an epic tale of transformation and triumph.

As a senior member of our infrastructure team, you will be equipped with essential tools and technologies designed for scaling and enhancing Mercury's infrastructure:

• AWS Services: Proficiently utilize EC2, RDS, IAM, Networking, Opensearch, and ECS to build and manage robust cloud environments.
• Terraform: Leverage Terraform for infrastructure as code to efficiently manage and provision our cloud resources.
• Agentic Infrastructure: Build the frameworks around using AI safely in our infrastructure, both for the agents and the users that kick off those agents.
• Monitoring and Observability Tools: Employ Prometheus, Grafana, Opensearch, and OpenTelemetry to maintain high availability and monitor system health.
• Version Control and CI/CD: Manage code and automate deployments using GitHub & GitHub Actions.

As we gear up for the next stages of Mercury's growth, you will:

• Build our “Infrastructure Platform” to support the growing needs of the Engineering Organization.
• Focus on building a platform that is AI friendly while still usable for engineers. We want our users to be humans and Agents.
• Lead key infrastructure projects, break-down complex initiatives, and define our infrastructure strategy through detailed RFCs and technical specifications.

Must haves:

• You have 5+ years of experience with AWS
• You have extensive experience, ideally 3 years or more, with observability and monitoring tools like Prometheus, Grafana, and OpenTelemetry, optimizing system performance and reliability.
• You have demonstrated ability in technical writing, with at least 3 years of experience creating detailed technical documentation, RFCs, and tech specs that clearly communicate complex ideas.

The ideal candidate should:

• You bring at least 2 years of experience leading infrastructure projects in regulated environments such as HITRUST or SOC2, ensuring compliance and security.
• You have 3+ years of experience managing large-scale Terraform implementations, including the setup and maintenance of Terraform CI/CD pipelines.
• You have 2+ years of experience writing code. We are building an Infrastructure Platform from scratch and there is plenty of code to write to support that.
• Experience mentoring and elevating those around you, we are force multipliers for the engineering org.

If this role interests you, we invite you to explore our public demo at demo.mercury.com. 

The total rewards package at Mercury includes base salary, equity, 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: $200,700 - $250,900
• Canadian employees: CAD $189,700 - $237,100

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.

We use Covey as part of our hiring and / or promotional process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on January 22, 2024. 

[Please see the independent bias audit report covering our use of Covey for more information.] 

#LI-ME1

When the Space Shuttle approached the International Space Station, two vehicles built by different teams, in different countries, with fundamentally different engineering philosophies and systems, had to connect perfectly. The Rendezvous, Proximity Operations, and Docking (RPOD) subsystems were engineered to handle complex mismatches such as different power systems, communication protocols, and technical architectures. Get it wrong, and you have an expensive and potentially catastrophic problem in low Earth orbit.

Mercury announced on December 19, 2025 that we submitted an application to the OCC for a national bank charter and applied for FDIC deposit insurance. In other words, Mercury is building a bank. As part of this work, we will be connecting our modern, product-focused engineering systems to enterprise core banking systems and payment networks built in a different era, with different assumptions and different interfaces. Mercury’s Banking Integration Platform as a Service team is like NASA’s RPOD team, building our integration subsystems that are technically correct and operationally trustworthy.

This is some of the most consequential infrastructure work at Mercury. Every account opening, every monetary transaction, and every balance call will flow through the systems you build. Product teams across the company will depend on clean abstractions that hide the complexity underneath. You'll be one of the few engineers at Mercury who truly understands the full depth of our Bank Core* and all its internal and external integrations.

In this role, you will:

• Build Mercury’s integration with an FFIEC-approved bank core and the connections to payment networks.
• Design internal APIs that give product teams simple, consistent interfaces to complex external systems.
• Handle the messy realities of enterprise integrations such as retries, failures, format mismatches, and downtime.
• Build data pipelines that keep Mercury's systems in sync with our bank core.
• Own monitoring, alerting, and recovery for our most critical external connections.
• Partner with many other teams at Mercury to define clean boundaries and reliable contracts.
• Help shape the technical architecture of Mercury Bank*.

You should:

• Have direct experience with either a bank core that has achieved FFIEC-compliance (such as FIS) or that of a US-based Global Systemically Important Bank (G-SIB) .
• Understand how core banking systems work: accounts, transactions, ledgers, and the data models underneath.
• Be a product-minded engineer who thinks about the developers consuming your APIs, not just the systems you’re connecting to.
• Thrive in environments where you're building something new rather than maintaining something established.
• Be comfortable with our tech stack (Haskell and TypeScript) or ready to learn.
• Have strong opinions about building reliable, maintainable systems.

We encourage you to try our demo site if you’re interested in applying for the role.

The total rewards package at Mercury includes base salary, equity, 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 (any location): $166,600 - $250,900
• Canadian employees (any location): CAD 157,400 - 237,100

* Unless we are granted regulatory approval otherwise, we are still not a bank, so our standard disclaimer still applies: Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

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.

We use Covey as part of our hiring and / or promotional process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on January 22, 2024. 

[Please see the independent bias audit report covering our use of Covey for more information.] 

#LI-ES1

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 Refresh, EDD, ODD, and compliance workflows, taking our operations to the next level of efficiency and scale. The goal: less manual toil, earlier risk detection, sharper decisions, and experiences that feel almost magical in their simplicity.

This is where you come in.

We’re looking for a Senior Software Engineer who is energized by the idea of bringing intelligent automation to life in real production systems. Someone who wants to design and build AI-driven workflows that can think in steps, adapt to new information, and orchestrate complex decisions across people, models, and services. Someone who sees compliance not as red tape, but as a fascinating systems problem at planetary scale.

If you’re excited to build agentic AI that matters—software that protects millions of dollars, unlocks opportunities for founders around the world, and helps shape the future of banking—we’d love to explore the universe together.

*​​Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

In this role, you will:

• 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.

You should have:

• 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.
• A mindset that balances urgency with craftsmanship: shipping fast, without cutting corners on quality engineering.
• 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.

If this role interests you, we invite you to explore our public demo at demo.mercury.com. 

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: $200,700 - $250,900
• Canadian employees: CAD $189,700 - $237,100

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.

We use Covey as part of our hiring and / or promotional process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on January 22, 2024. 

[Please see the independent bias audit report covering our use of Covey for more information.] 

#LI-AC1

In 1600, William Gilbert published De Magnete—the first systematic study of magnetism. He didn't just theorize; he built instruments, ran experiments, and shared what he learned so that others could go further. Three centuries later, those foundations helped power the modern world.

At Mercury, we're making a deliberate, company-wide bet on AI. Frontier users are already pushing boundaries—building agents, automating workflows, moving fast. But they're doing it in silos. This role exists to change that: to take those scattered experiments and turn them into shared infrastructure, shared context, and shared capability. The goal is a multiplier effect—where the most ambitious AI work inside Mercury lifts the velocity of everyone else.

What you'll do

You'll join a team that has already started building Mercury's internal AI platform and enablement layer. Your work will be to extend, harden, and scale what's in motion, and to help partner teams adopt it.

Extend the AI platform foundation

• Build and evolve MCP servers that connect internal systems and data sources into a coherent interface for agents and engineers.
• Expand and operate our LLM gateway infrastructure: routing, rate limiting, cost attribution, and observability across teams.
• Turn early patterns into durable defaults: shared prompt libraries, guardrails, and policy-as-code so teams can move fast safely.

Strengthen the shared company knowledge layer

• Shape and maintain structured context artifacts—clean, reliable, agent-consumable—so LLMs working in Mercury's systems can reason accurately about our domain.
• Improve internal knowledge discoverability and retrieval so both humans and agents can quickly find accurate answers.
• Partner with domain teams to standardize key sources of truth, and keep them fresh.

Enable faster prototyping and iteration across the company

• Build and refine sandbox environments and tooling that let engineers experiment with AI safely and at speed.
• Create self-service scaffolding so non-engineers—PMs, ops, finance—can prototype and deploy AI-powered workflows with minimal hand-holding.
• Build playgrounds and evaluation harnesses so internal AI agents can be tested and iterated in controlled environments before hitting production.

This list is illustrative. Priorities will shift as we learn; the right person will help choose the next highest-leverage work.

The ideal candidate

• Has 5+ years of backend development experience in complex, production systems—you've built things that other engineers depended on.
• Is fluent across programming languages and can navigate platform engineering, infrastructure, and developer tooling without needing a map.
• Has hands-on experience building LLM-powered systems—RAG pipelines, agents, eval frameworks—and has shipped at least one of these to production.
• Understands the real tradeoffs in AI deployments: cost modeling, observability, latency, and safety—not just the exciting parts.
• Is high-agency and self-directed. You can operate effectively without tightly-defined scope, find the highest-leverage work, and get it done.
• Communicates clearly across technical and non-technical audiences—you can explain what you built and why it matters.

The total rewards package at Mercury includes base salary, equity, 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 (any location): $166,600 - $218,700
• Canadian employees (any location): CAD 157,400 - 206,650

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.

We use Covey as part of our hiring and / or promotional process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on January 22, 2024. 

[Please see the independent bias audit report covering our use of Covey for more information.] 

#LI-ES1

Since the dawn of aviation, pilots have faced the constant challenge of air resistance, much like sailors navigating the friction of water. Amidst this relentless struggle, the trim tab emerges as an ingenious yet understated marvel. Just as the wheel revolutionized transportation by easing movement over land, the trim tab simplifies flight, allowing for smoother navigation through the skies. It embodies the elegance of simplicity in engineering, transforming the demanding task of controlling an aircraft into a more graceful and manageable endeavor. 

At Mercury, we are committed to crafting an exceptional banking* experience for startups. Our team is passionately focused on ensuring our product not only meets but anticipates the needs of our customers.

Our product engineering group is growing and we’re looking to hire senior backend engineers. We’re a team of pragmatic, product-minded engineers motivated by the desire to create lovable products that rescue our customers from frustrating, expensive legacy industry tools. 

As part of this role, you will:

• Feel a strong sense of product ownership and actively seek responsibility – we often self-organize on small/medium projects, and we want someone excited to help shape and build Mercury’s future.
• Work in an autonomous environment on a close-knit team, with a “startup within a startup” feel.
• Partner closely with designers and product leaders to ship lovable experiences. We want to transcend the status quo for banking and fintech software, and many of our customers are startups and appreciate our slick, magical designs.
• Join a team of experienced product engineers within one of our Mercury product groups such as Banking, Experiences, Expansion, or Risk. 

The ideal candidate for the role:

• Has 3-7 years of backend development experience.
• Knowledge of or excitement to learn Haskell, and proficiency in SQL.
• Empathizes with users and can channel their perspective to build lovable products.
• Has made architectural decisions in the past and measured the impact of those decisions over time. You should be able to clearly articulate your technical opinions and lay out tradeoffs.
• Communicates and collaborates effectively with peers and cross-functional counterparts.

If this role interests you, we invite you to explore our public demo at demo.mercury.com. 

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 (any location): $166,600 - $208,300
• Canadian employees (any location): CAD 157,400 - 196,800

*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

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.

We use Covey as part of our hiring and / or promotional process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on January 22, 2024. Please see the independent bias audit report covering our use of Covey here.

#LI-ES1

Every line of code that ships at Mercury passes through a gauntlet of builds, tests, and gates before it reaches our customers. On the surface, that process should feel seamless — frictionless for engineers, undetectable to users, and impossibly reliable. Behind that invisibility is Release Engineering.

Mercury moves fast. We ship frequently, our monorepo grows daily, and the pressure to do it right never lets up. Release Engineering is the team that makes this possible: owning the CI/CD platform, build infrastructure, deployment tooling, and the practices that let 400+ engineers deliver with confidence.

We're looking for an Engineering Manager to lead this team. You'll partner with the Backend Developer Experience team to deliver the full software delivery lifecycle from code commit to production, and build the engineering culture that keeps our release process a competitive advantage rather than a bottleneck.

In this role you will:

• Lead and grow a team of four engineers focused on CI/CD infrastructure, build systems, deployment automation, and developer tooling.
• Create a strong culture of operational excellence, with measurable improvements to pipeline reliability, build times, and deployment confidence.
• Own Mercury's release pipeline end-to-end — from pull request merge to production — ensuring it is fast, reliable, observable, and secure.
• Drive the strategy and execution for improving build performance, test reliability, deployment safety (canaries, feature flags, rollbacks), and developer velocity.
• Partner closely with Platform, Security, and Product Engineering teams to design and deliver systems that meet the demands of a rapidly scaling fintech.
• Establish and evangelize release engineering best practices across Mercury's engineering org — defining standards for deployment frequency, change failure rate, and MTTR.
• Balance long-term platform investments with the day-to-day reliability needs of 400+ engineers shipping code every day.
• Build and maintain tooling that enforces compliance checkpoints and audit trails as part of the release pipeline — without slowing teams down.
• Hire, mentor, and retain top-tier engineers; help them grow into technical leads and raise the overall bar for the team.

You should have:

• 7+ years of software engineering experience, including 4+ years managing engineering teams in high-growth or high-availability environments.
• Deep hands-on experience with CI/CD systems (e.g., Buildkite, GitHub Actions, Jenkins, CircleCI) and the infrastructure that supports them.
• Strong background in build systems (Bazel, Buck2), containerization (Docker, Kubernetes), and infrastructure-as-code (Terraform, Pulumi, or similar).
• A track record of meaningfully improving release velocity and reliability — you measure what matters and use data to drive decisions.
• Experience operating in regulated or security-sensitive environments, ideally fintech, payments, or banking.
• Excellent cross-functional communication skills — you can translate between engineering depth and business impact, and you partner effectively with Security, Compliance, and Product leaders.
• A pragmatic philosophy: you believe release infrastructure should be a force multiplier for product engineers, not a bureaucratic hurdle.
• The ability to attract, develop, and retain exceptional talent — you take hiring and team development seriously.

What Success Looks Like:

In your first 90 days, you've developed deep context on Mercury's release infrastructure, built trust with your team, and identified the highest-leverage opportunities to improve pipeline performance and developer experience.

Within six months, you've shipped meaningful improvements to build reliability, deployment speed, or observability — and your team has a clear roadmap for the next year.

Over time, you've made Mercury's release process a model for how fintech companies can move fast without breaking things.

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 job 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 (any location): $239,000 - 298,800
• Canadian employees (any location): CAD $225,900 - 282,400

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.

We use Covey as part of our hiring and / or promotional process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on January 22, 2024. Please see the independent bias audit report covering our use of Covey here.

Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Column N.A., and Evolve Bank & Trust; Members FDIC.

[Please see the independent bias audit report covering our use of Covey for more information.] 

#LI-ME1

Businesses on Mercury are leveraging their financial insights to inform consequential decisions that drive their company forward. Fragmented financial data, inaccuracies, and delayed accounting reports result in these businesses making decisions based on processed historical data and not on the state of their business today. For accountants, this adds growing pressure to reconcile and review, resulting in less time spent providing exceptional service to their clients.

Our Accounting product engineering team exists to close this gap by enabling real-time insights for businesses that use Mercury. We do this by allowing businesses to connect their other financial software to Mercury, configure auto-categorization, and identify outliers that may lead to inaccuracies. By closing the books in real-time, businesses get a live picture of their finances, not a lagging one.

We’re looking for an engineering leader who is excited to lead their team to execute on our vision for real-time accounting and own a critical part of Mercury’s product growth.

As part of this role, you will:

• Lead a team of 6+ exceptional software engineers, growing the team through performance management, mentorship, and hiring.
• Contribute to a team culture that aligns to Mercury’s values.
• Help define technical architecture for ingesting financial data from hundreds of sources and streaming them to Mercury’s accounting service.
• Work closely with designers, product leaders, and other cross-functional stakeholders to shape product strategy and execute on the Accounting team roadmap.
• Collaborate with other engineering teams on overlapping work, optimizing for product cohesion and simplicity over strict division of responsibility.

The ideal candidate for the role:

• Has 3+ years of engineering management leading full-stack product engineering teams, especially teams that have leveraged AI to build software.
• Has made architectural decisions in the past and measured the impact of those decisions over time. You should be able to clearly articulate your technical opinions and lay out tradeoffs. Bonus points if you have experience in both monolithic and microservice architectures.
• Has a strong sense of technical and product ownership and actively seeks responsibility – our engineers often act as product owners on small/medium projects, and we want someone who’s excited to help shape the future of our accounting products; previous experience in fintech/accounting or building consumer-facing AI products is a nice-to-have.
• Is comfortable driving discussions in areas with ambiguous ownership, approaches them with empathy, and prioritizes reaching outcomes. Our work overlaps with many other teams – you’ll have a lot of autonomy in this role and are expected to use it to seek out ways to have an impact.

If this role interests you, we invite you to explore our public demo at demo.mercury.com.  

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.

Our target new hire base salary ranges for this role are the following:

• US employees (any location): $200,700 - $250,900
• Canadian employees (any location): CAD $189,700 - $237,100

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.

We use Covey as part of our hiring and / or promotional process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on January 22, 2024. 

[Please see the independent bias audit report covering our use of Covey for more information.] 

#LI-RA1