Senior Product Manager II - Fraud & Identity

<h3>Accountabilities</h3><li>
<strong>Define product strategy:</strong>Own and execute the product vision, strategy, and roadmap for fraud prevention, detection, identity verification, and authentication across the customer lifecycle.</li><li>
<strong>Drive roadmap prioritization:</strong>Establish priorities across fraud and identity initiatives, balancing risk reduction, customer experience, technical feasibility, and business objectives while coordinating dependencies across teams.</li><li>
<strong>Develop detection capabilities:</strong>Collaborate directly with engineers to design and refine fraud scoring logic, detection rules, risk signals, and identity verification mechanisms. Evaluate whether available data meaningfully distinguishes legitimate activity from fraudulent behavior.</li><li>
<strong>Turn insights into action:</strong>Translate research, data analysis, and technical findings into clear recommendations, decision documents, and prioritized product initiatives that lead to measurable outcomes and shipped improvements.</li><li>
<strong>Lead fraud incident response:</strong>Coordinate incident management across engineering, client operations, governance, risk and compliance, treasury, and security teams. Develop and improve response playbooks, escalation processes, and investigation workflows.</li><li>
<strong>Establish performance metrics:</strong>Define and monitor key indicators for fraud detection accuracy, authentication coverage, false-positive rates, operational efficiency, and customer friction to guide product decisions.</li><li>
<strong>Optimize fraud operations:</strong>Support fraud triage, investigations, case management, and resolution processes, equipping operational teams with effective tools and workflows.</li><li>
<strong>Support regulatory requirements:</strong>Partner with legal and governance, risk, and compliance stakeholders to support know-your-customer (KYC), anti-money laundering (AML), and audit-related product requirements while maintaining clear ownership of product responsibilities.</li><li>
<strong>Evaluate technology investments:</strong>Lead build-versus-buy assessments, evaluate third-party fraud and identity platforms, and identify opportunities to improve product capabilities, scalability, and operational effectiveness.</li><li>
<strong>Advance AI and automation:</strong>Apply AI-powered technologies and automation to accelerate investigations, improve risk assessment, increase detection accuracy, and streamline fraud management throughout the customer lifecycle.</li><li>
<strong>Influence strategic decisions:</strong>Challenge assumptions and proposed investments with evidence, ensuring that new signals, vendors, and enforcement measures deliver meaningful risk reduction without introducing unnecessary customer friction.</li><h2>Requirements</h2><li>
<strong>Product management experience:</strong>Demonstrated ownership of a fraud, risk, or identity product area within a fintech, payments, or marketplace organization, with direct accountability for product strategy, prioritization, and outcomes.</li><li>
<strong>Fraud prevention expertise:</strong>Strong understanding of fraud detection principles, including precision and recall, false-positive costs, risk signals, identity verification, and the trade-offs between security and customer experience.</li><li>
<strong>Technical capabilities:</strong>Experience working directly with engineering teams on scoring logic, data schemas, integrations, identity infrastructure, and technical product decisions.</li><li>
<strong>Incident response experience:</strong>Experience leading or co-leading fraud incident response, coordinating multiple stakeholders, and developing operational processes for investigation, escalation, and resolution.</li><li>
<strong>AI and automation proficiency:</strong>Practical experience using or building AI-powered solutions to improve fraud detection, operational efficiency, automation, and decision-making.</li><li>
<strong>Strategic execution:</strong>A proven ability to translate complex analysis into clear recommendations, prioritize initiatives, and deliver measurable results through successful product launches and iterative experimentation.</li><li>
<strong>Technology evaluation:</strong>Experience assessing fraud prevention platforms and making informed build-versus-buy decisions.</li><li>
<strong>Stakeholder leadership:</strong>Confidence challenging senior stakeholders constructively, communicating evidence-based recommendations, and aligning cross-functional teams around difficult product decisions.</li><li>
<strong>Excellent communication:</strong>Strong written communication and documentation skills, with the ability to communicate complex technical and business concepts clearly in a remote-first, documentation-driven environment.</li><li>
<strong>Preferred financial expertise:</strong>Professional certifications such as CPA, CFA, or Certified Fraud Examiner (CFE) are advantageous.</li><li>
<strong>Additional industry experience:</strong>Experience in payroll, payments, money movement, vendor fraud, accounts payable fraud, or financial services risk management is beneficial.</li><li>
<strong>Identity and compliance knowledge:</strong>Familiarity with KYC/AML requirements, identity platforms such as Auth0, synthetic identity fraud, or AI-generated identity fraud patterns is an advantage.</li><li>
<strong>Hands-on mindset:</strong>A proactive, adaptable approach to solving complex problems, exploring new technologies, and collaborating closely with technical and operational teams.</li><h2>Benefits</h2><li>
<strong>Competitive compensation:</strong>Annual base salary determined by US geographic pay zone:</li>
<li>Zone US1 — San Francisco, Los Angeles, Seattle, New York City, Boston, San Diego, and Washington, DC:<strong>$175,500–$241,500 USD</strong>.</li><li>Zone US2 — Austin, Chicago, Miami, and California locations outside Zone 1:<strong>$166,000–$228,500 USD</strong>.</li><li>Zone US3 — All other US locations:<strong>$156,500–$215,000 USD</strong>.</li><li>
<strong>Additional compensation:</strong>Potential equity and other applicable compensation components beyond the stated base salary.</li><li>
<strong>Fully remote work:</strong>Work remotely from anywhere in the United States, with flexibility to support an effective work-life balance.</li><li>
<strong>Unlimited paid time off:</strong>Flexible vacation arrangements to support personal well-being and time away from work.</li><li>
<strong>Health and dental benefits:</strong>Access to healthcare and dental coverage.</li><li>
<strong>Home office allowance:</strong>Up to<strong>$1,500 USD</strong>toward home office IT equipment and setup.</li><li>
<strong>Retirement savings:</strong>Up to 2% matching contributions to a 401(k), subject to applicable plan terms.</li><li>
<strong>Internet and mobile allowance:</strong>Up to<strong>$50 USD</strong>toward internet or mobile phone expenses.</li><li>
<strong>Learning and development:</strong>Opportunities to build expertise, develop new skills, and grow professionally.</li><li>
<strong>Meaningful ownership:</strong>The opportunity to lead a strategically important product area, influence company-wide decisions, and deliver measurable improvements in fraud prevention and identity protection.</li><li>
<strong>Inclusive work environment:</strong>A commitment to maintaining a respectful, accessible, and discrimination-free workplace that values diverse backgrounds, perspectives, and experiences.</li>