2026 - Product Manager, Transaction Risk Decisioning

About This RoleAI processing…

Key Responsibilities

• 1
  The Trust & Safety team is tasked with keeping our members’ accounts safe, providing them uninterrupted access to their money, and minimizing the company’s risk exposure and fraud loss.

Requirements

• 5+ years of experience as a Product Manager
• Deep expertise in payments risk — you understand how card networks operate, including Visa and Mastercard transaction rules, authorization reason codes, dispute and chargeback frameworks, and decline return codes (e.g., Do Not Honor, Insufficient Funds, Card Activity Limit). You can hold a substantive conversation with a risk strategist, a network partner, or an issuer processor about why a transaction declined and what can be done about it
• Proven ability to think strategically about purchase volume and authorization rates , you've connected decisioning logic to revenue outcomes and can frame risk tradeoffs in terms of business impact, not just fraud loss
• A track record of bringing thought leadership to hard, ambiguous problems - you don't just execute on a roadmap, you shape it. You can articulate a compelling vision for how the transaction experience should work and build alignment across engineering, risk, compliance, and leadership
• A strong product mindset and the ability to translate complex risk and platform challenges into clear strategy and execution
• Experience operating in systems with significant policy, operational, and data dependencies
• The ability to engage fluently across member journeys, policy behavior, experiment design, and platform capabilities
• Strong customer empathy and a track record of turning user insights into product decisions — with a particular sensitivity to how declines and friction moments affect member trust and retention
• Strong analytical skills and experience applying machine learning and AI methodologies
• Deep curiosity and a strong sense of ownership
• Experience working in a fast-growing, cross-functional environment
• A passion for helping members lead healthy financial lives
• San Francisco, CA: The base salary range is $183,000 to $205,000 .
• Chicago, IL: The base salary range is $165,000 to $185,000 .

Perks & Benefits