Senior Product Manager - Fraud

Description

Holds, limits, locks and closures are useful fraud tools, but used clumsily they catch good customers in needless friction, add work for operations teams, and push customers to leave. The team's view is that banking should feel easy and smooth, not hard to follow or stressful.

As Product Manager for Fraud, you will build products that help the company use these tools well and balance a good customer experience against fraud prevention. You will learn how customers, their accounts and the money movement products work, then build systems that protect customers and the company from fraud. You will work across functions on products for end users and for internal risk teams.

The company wants someone who can lead the effort to rethink how risk friction is applied, measured and tuned, so that banking can feel seamless.

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

Responsibilities

• Set the strategy and roadmap for fraud prevention in your area, covering account integrity, money movement, and the decisions, controls and experiences that protect customers.
• Turn the strategic vision for reducing fraud and improving the risk experience into action, including holds, limit structures, step-up verification and other friction points.
• Design user journeys that add friction only as far as risk signals call for, keeping disruption to legitimate users low.
• Build internal operational and platform tools so risk and support teams can handle case volume, exceptions and high-touch cases efficiently.
• Work with data science to build, launch and keep improving ML models.
• Define and monitor metrics covering risk effectiveness, operational load and customer experience.
• Help the company's risk capabilities grow as its product suite expands.

Requirements

• 7+ years of product management experience, including work on fraud or risk at a bank or fintech company.
• Strong understanding of how risk friction affects user experience, growth and retention.
• Experience with complex automated decisioning, including rules, ML models and real-time data pipelines.
• Analytical skill to read the performance of rules and ML models, reason about precision and recall trade-offs, and turn findings into clear actions and priorities for your teams.
• A proven record of leading across functions, especially balancing risk, compliance and customer experience.
• Clear communication that turns complex risk ideas into practical product strategy.
• Ability to make sound decisions with incomplete information.

Conditions

Base salary ranges for this role: US employees in any location, $200,700 - $250,900 USD; Canadian employees in any location, $189,700 - $237,100 CAD. Offers depend on experience, expertise, geographic location and internal pay equity with peers.

Equal opportunity boilerplate is omitted here for brevity.

Benefits

• Total rewards include base salary, equity (stock options or RSUs) and benefits.