Senior Product Manager, Ongoing Monitoring

As Senior Product Manager for Ongoing Monitoring Acquiring Fraud & Risk, you will own the roadmap for Tide’s acquiring transaction risk monitoring capabilities. Working closely with Engineering, Data Science, Fraud Operations, Risk and Acquiring Product teams, you will build and scale real-time monitoring solutions using rules engines, machine learning models and Agentic AI to reduce fraud losses, improve chargeback outcomes and manage Tide’s acquiring risk exposure across card-present and card-not-present payment journeys.

Responsibilities

Owning and independently defining the product strategy, vision and roadmap for acquiring fraud and risk monitoring within Ongoing Monitoring; Building scalable monitoring capabilities across card-present and card-not-present acquiring journeys; Working with Engineering and Data Science teams to define and deliver real-time rules, risk signals, machine learning models and decisioning workflows; Having end-to-end ownership of the acquiring fraud and risk monitoring product development lifecycle; Prioritising product work based on risk reduction, commercial impact, operational effort, member experience and technical feasibility; Creating clear product narratives for senior stakeholders across Product, Risk, Operations, Finance and Commercial teams; Using data to identify acquiring fraud patterns, merchant behaviour, loss drivers and control gaps; Developing product capabilities that actively reduce acquiring fraud losses and help keep Tide within relevant card scheme thresholds; Establishing and monitoring performance metrics such as fraud loss rate, chargeback rate, scheme exposure, false positive rate and operational efficiency; Running experiments and targeted control changes to improve fraud prevention while minimising friction for genuine members; Working with Finance, Risk and Operations teams to quantify the commercial impact of fraud and risk controls; Building product capabilities that improve chargeback prevention, monitoring, handling and recovery outcomes; Working with Operations to improve case management workflows, review quality and operational efficiency; Improving visibility of chargeback drivers, merchant risk profiles and recovery performance; Helping Tide reduce avoidable losses where chargebacks arrive after funds have already been settled to merchants; Tracking and improving metrics such as recovery rate, chargeback handling time, operational cost per case and manual review effort; Identifying opportunities to use Agentic AI and automation to improve acquiring fraud and risk operations; Working with Engineering and Data Science teams to build scalable, explainable and measurable AI-supported risk decisioning capabilities; Improving the speed, consistency and quality of acquiring risk reviews; Increasing automation where manual review adds cost without improving risk outcomes

Requirements

Experienced Product Manager with strong acquiring risk knowledge; Comfortable working with complex data, real-time payment flows, operational teams and senior stakeholders; Able to turn messy risk problems into clear product priorities and measurable outcomes; Strong product management experience, ideally 4+ years, with direct experience in acquiring risk, merchant risk, payment fraud, transaction monitoring or chargeback management; Experience working in an acquiring bank, PSP, payments company, fintech, or a large merchant with an established acquiring risk function; Proven track record of actively reducing acquiring fraud, chargeback losses or merchant risk exposure; Understanding of card-present and card-not-present acquiring journeys, including the different risk patterns across online, remote and in-person payments; Experience working with real-time rules engines, fraud monitoring systems, machine learning models, case management tools or risk operations workflows; Confident using data to identify loss drivers, prioritise interventions and measure control effectiveness; Comfortable working with Engineering, Data Science, Risk, Operations, Finance and Commercial teams; Understands the balance between reducing risk and protecting the experience for genuine members; Pragmatic, organised and able to lead cross-functional delivery in a fast-moving environment; Able to communicate clearly with senior stakeholders and turn complex fraud and risk topics into simple commercial decisions; Passion for solving members’ and agents’ pain points, coupled with ability to apply product design thinking

Nice to have

Experience with Visa, Mastercard or other card scheme monitoring programmes; Experience with chargeback prevention, representment, recovery workflows or negative balance management; Experience building AI or Agentic AI capabilities for fraud operations, risk review, case handling or operational decision support; Experience working across multiple markets or with global acquiring products; Experience in SME banking, fintech, payments or financial services

Benefits

Flexible working options; Group Life Insurance; Vitality Health Insurance, with a proactive focus on mental and physical wellbeing; 25 days holiday with the ability to buy extra days; 3 days for L&D or volunteering time off per year; £1,000 professional L&D budget per year; Access to ‘salary sacrifice’ benefits such as Cycle to Work scheme and pension contribution; Spacious brand-new office near Old Street with an all-day snacks bar; Enhanced family-friendly leave; Sabbatical leave