Our Client  Currently looking for Senior Product Manager, Transactional Risk

What You’ll Do

• Own the Transactional Roadmap: Define and execute the product strategy for transaction authorization and monitoring, both in-app and out-of-app.
• Harden the “Hot Path”: Enable the rules and ML models that decide in milliseconds whether a transaction is safe, suspicious, or fraudulent.
• Drive Smarter Limits: Move beyond blunt “one-size-fits-all” limits. You will build and iterate on designing a secure solution in a limitless world, velocity policies, and transaction-time policy checks that adapt based on member risk and behavior.
• Design Pre-Authorization Gates: Own the logic for assessing member eligibility to attempt a transaction and strategically issuing step-up challenges before the transaction leaves our systems.
• Optimize Efficacy: You’ll tune our detection systems to maximize loss prevention while minimizing False Positives.
• Full-Rail Coverage: Own the fraud product strategy to secure all transactional money movement rails including ACH, Wires, Debit Card, Credit Card, Checks, P2P, International Remittances and Crypto.
• Cross-Functional Collaboration: Partner closely with the Fraud Products Lead to ensure your transactional logic fits into the holistic member risk profile, with the Account Security team who hands you a “Secured Session”, and with the Fraud Data team for the features your rules rely on.
• Metrics & Impact: Manage and optimize key success metrics, including keeping Gross/Net Fraud Loss (BPS) below target, maintaining sub-second detection latency for real-time rails, and ensuring a low False Positive Rate (FPR) so we aren’t blocking good members unnecessarily.

What You’ll Need

• 4+ years of Product Management experience: With a focus on fraud, risk, payments, or FinTech.
• Deep Domain Expertise in Fraud: You possess a strong understanding of common fraud attack vectors and the strategic product solutions required to mitigate them.
• Payments Expertise: You understand the nuances of different payment rails (ACH, Wires, Card) and how fraudsters exploit the “settlement gap” in each.
• A Data-First Decision Maker: You are comfortable diving into SQL or data visualization tools to understand why a specific rule fired and how to tighten the net without catching good users. You can synthesize inputs and data from multiple sources to build a strategic rationale that advocates for long-term customer value.
• Systems Thinker: You don’t just want to write a rule; you want to build a repeatable framework for how we authorize money movement across the entire enterprise.
• Exceptional Communication: You can distill complex concepts into easily understood product strategy and requirements, tailoring your message to engineering, data science, and business stakeholders.
• Strong Ownership: A proactive bias for ownership, capable of taking initiative on product outcomes, finding scrappy ways around roadblocks, and driving multiple key results.

Nice to Have

• Experience tuning specific detection systems (like Oscilar, Datavisor, Flowable, or internal decision engines).
• Direct experience with the unique risk challenges of physical Check fraud and irreversible real-time payments.
• Experience working closely with Data Science and Machine Learning Engineers to operationalize real-time scoring and transaction monitoring models.
  

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