Transaction Risk Product Manager — Fraud & ML Scoring

swanio; Paris; Hybrid; EUR 90,000 - 120,000; Full time

Job summary

Swan is seeking a Product Manager for Transaction Risk to own the transaction scoring engine, signals, features, rules, and ML models that protect Swan and its partners from fraud. You will report to a Payment Product Lead and collaborate with Data, Compliance, and Engineering to optimize performance while maintaining a smooth user experience.

You will own end-to-end risk management across payment flows, implement AML-CFT rules, and ensure auditable decision-making.

Qualifications

• 3+ years in Product Management with end-to-end lifecycle ownership.
• Experience with data-intensive or ML-powered products or risk/fraud strategy.
• Payments/Fintech/neo-banking knowledge is a strong plus.
• Fluent in English; French is a plus.

Responsibilities

• Own the transaction risk roadmap end-to-end across all payment flows.
• Push the Fraud Detection Rate / False Positive Rate frontier through tuning and iteration.
• Measure signals and decisions with Data and Engineering for end-to-end measurability.
• Run the weekly Transaction Scoring Tuning loop with cross-functional partners.
• Implement AML-CFT and sanctions rules while maintaining detection performance.
• Keep the platform signals and data contracts consistent for auditable decisions.
• Manage external transaction monitoring with providers to optimize acceptance rate.
• Translate risk scores into concrete product actions (block, step-up, allow).
• Ensure decisions are auditable for operations, FinCrime, and post-mortems.

Skills

Product management

SQL

AI awareness

Job description

Swan is seeking a Product Manager for Transaction Risk to own the transaction scoring engine, signals, features, rules, and ML models that protect Swan and its partners from fraud. You will report to a Payment Product Lead and collaborate with Data, Compliance, and Engineering to optimize performance while maintaining a smooth user experience.

You will own end-to-end risk management across payment flows, implement AML-CFT rules, and ensure auditable decision-making.