Staff Software Engineer - Personal Banking

In April, 2024, Mercury announced our public beta for Mercury Personal – a premium consumer banking* service offering high-yield savings accounts, investments, no-fee domestic wires, ATM fee reimbursements, and favored Mercury features like User Permissions and Auto-Transfer Rules. We built the product for investors and founders. Individuals who were likely to have heard about Mercury or used it already, who were likely to have strong opinions about UX and get value out of the no-fee USD wires, who appreciated a technology-first banking experience that didn’t require a phone call to accomplish simple tasks.

We’ve invited beta users and continue to tweak the product based on their feedback. We’re ramping up cautiously to ensure adequate risk and compliance controls as we move into this new domain. And, there’s still a lot to build.

Right now, our team is working on a few table-stakes consumer banking features like Joint Investment Accounts, International Wires, as well as tightening our risk and compliance controls. We’re interested in building Trust Accounts and enabling several new features as we prepare to open up to a wider audience.

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 who’s excited to help shape and build the future of Mercury Personal.
• Set the technical vision and lead the charge on architectural decisions, system design, and engineering best practices that shape the future of Mercury Personal and beyond.
• Collaborate closely with designers, product leaders, and other engineers to build new features for Mercury Personal and thoughtfully port existing business banking features over.
• Work across organizational boundaries to coordinate dependencies, reduce friction, and enable teams to deliver complex initiatives that span multiple domains.

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.

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/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 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.

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