Senior Product Manager - Fraud

As a Product Manager for Fraud, you'll build products that enable Mercury to master holds, limits, locks, and closures and deftly balance customer experience with fraud prevention. You'll develop a deep understanding of customers, their accounts, and money movement products to build systems that protect customers and Mercury from fraud. You'll work cross-functionally to build products for both end users and internal risk teams that enable a seamless and safe banking experience. Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

Responsibilities

Shape the strategy and roadmap for fraud prevention across your area, from account integrity or money movement to the decisions, controls, and experiences that protect customers; Design and execute on the strategic vision to mitigate fraud and improve risk experience at Mercury, including holds, limit structures, step-up verification, and related friction points; Craft user journeys that apply appropriate friction based on risk signals while minimizing disruption to good users; Build operational and platform tooling to enable risk and support teams to efficiently manage case volume, exceptions and high-touch cases; Partner with data science to develop, deploy, and continuously improve ML models; Establish and track metrics that measure risk effectiveness, operational, and customer experience impact; Support the development of Mercury's risk capabilities to scale across its expanding product suite

Requirements

7+ years of relevant product management experience, including experience within fraud or risk in banking or fintech environments; Deep customer empathy and understanding of how risk friction impacts user experience, growth and retention; Experience working with complex automated decisioning systems, rules, ML models, real-time data pipelines; Proficiency with analytics, including an ability to understand performance or rules and ML models, trade-offs with precision/recall, and translate understanding into actionable insights and priorities for teams; Strong track record of cross-functional leadership, particularly in navigating tradeoffs between risk, compliance, and customer experience priorities; Exceptional communication skills that allow you to translate complex risk concepts into actionable product strategies; Comfort with ambiguity and ability to make balanced decisions with imperfect information

Benefits

Base salary; Equity (stock options/RSUs); Benefits