BankController

About Mercury: Mercury is a financial technology company building banking products for ambitious businesses. We've grown from a startup banking* platform to a company that manages tens of billions in deposits — and now we're taking the next step: pursuing a de novo bank charter to become a full-fledged bank. This is a rare and defining moment. As we transition from fintech to bank, we need to build institutional-grade accounting infrastructure from the ground up. That work starts here. *Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. The role: Reporting directly to the Corporate Controller, the Bank Controller will own the accounting function for Mercury's banking entity. This is a foundational leadership role — you will build the policies, processes, systems, and team that enable Mercury to operate as a fully regulated insured depository institution. You'll work at the intersection of technical accounting, regulatory compliance, and operational build-out. This isn't a role for someone who wants to maintain an existing function — it's for someone who wants to architect one and work closely with Engineering and Product. What you'll do: Bank accounting infrastructure Design and implement the Chart of Accounts, general ledger structure, and subledger architecture for the bank entity in accordance with call report and regulatory reporting requirements Establish bank-specific accounting policies covering investment securities (ASC 320/326), loan accounting, interest income accruals, ALLL/ACL methodology, and fee recognition Build out the bank's financial close process and reconciliation framework Regulatory and call report compliance Lead preparation of FFIEC Call Reports (FFIEC 031/041), FR Y-9C, and other regulatory financial submissions on a quarterly basis Serve as the primary accounting subject matter expert in regulatory examinations (OCC, FDIC, Federal Reserve), respond