Senior Product Owner - Fraud & Authentication

Planet; London; Hybrid; GBP 65,000 - 85,000; Full time

Job summary

A leading technology solutions provider in London seeks a Product Owner to enhance fraud prevention and customer authentication capabilities. You will define tools and flows to reduce fraud, ensuring compliance and optimizing conversion through intelligent authentication strategies. The ideal candidate has over 5 years of experience in product management, particularly within payments and fraud domains, and is skilled in stakeholder management and agile delivery.

Qualifications

• 5+ years of experience in product roles, ideally in payments, fraud, or risk platforms.
• Strong understanding of 3DS2, PSD2, and SCA.
• Experience with third-party fraud vendors.

Responsibilities

• Define and prioritize features for fraud detection tooling.
• Own the configuration of 3DS2, including scheme routing.
• Translate compliance mandates into user stories.

Skills

Product management

Stakeholder management

Agile delivery

Fraud prevention

Authentication

Tools

Fraud detection tools

Agile software

Job description

About Planet

Planet is a global provider of integrated technology and payments solutions for retail and hospitality customers.

We create great experiences for the millions of people who use our payments, software, and tax-free solutions every minute of every day.

Planet empowers its customers to deliver great customer experiences by combining payments and software in ways that drive greater loyalty, increase revenue and save time.

Founded over 35 years ago and with our headquarters in London, today we have more than 2,500 employees located across six continents serving our customers in more than 120 markets.

Role overview:

We are seeking aProduct Ownerto own and evolve our fraud prevention and customer authentication capabilities across eCommerce. You will be responsible for defining and delivering tools and flows that reduce fraud losses, optimizeconversion through intelligent authentication, and meet all compliance obligations across3DS2,SCA,TRA exemptions, andscheme mandates.

This role combines technical and regulatory depth with a clear commercial mindset – ensuring that our fraud and authentication stack is not only robust, but alsomerchant-friendly and revenue-aware.

What you will do:

Own Fraud Prevention Capability

• Define and prioritize features for Planet’s fraud detection tooling (e.g. scoring engine, rule builder, fraud signals API).

• Partner with fraud vendors (e.g. Fraud.net, Accertify, Cybersource) to manage integrations and roadmap dependencies.

• Work with data and risk teams to expose real-time fraud metrics to internal tools and merchant-facing portals.

• Improve support for soft declines, fraud tagging, chargeback categorization, and case management workflows.

Lead Authentication Product Delivery

• Own the configuration and management of3DS2, including scheme routing, fallback logic, and exemption strategy (e.g. TRA, low-risk, whitelisting).

• Define issuer, acquirer, and APM authentication journeys for bothcard and non-cardpayment methods.

• Collaborate with scheme and compliance teams to ensure ongoing alignment with PSD2, SCA, and local market rules.

• Support initiatives aroundfrictionless authentication, device binding, delegated auth, and cardholder recognition logic.

Backlog Management & Delivery

• Translate compliance mandates, merchant feedback, and fraud metrics into user stories with clear acceptance criteria.

• Own sprint planning and rituals for your fraud/auth squad.

• Ensure close alignment between fraud tooling, authentication flows, and gateway transaction routing.

• Support readiness for scheme audits, merchant testing, and go-live planning.

Commercial Alignment

• Collaborate with commercial and onboarding teams to package fraud/auth as part of merchant offers.

• Provide guidance on fraud and authentication settings per merchant segment (long-tail vs enterprise).

• Partner with platform billing to ensure all fraud and auth events are trackable and billable where applicable.

Who you are:

• 5+ yearsexperience in product roles, ideally in payments, fraud, authentication, or risk platforms.

• Strong understanding of3DS2,PSD2 SCA,TRA exemptions, and issuer/acquirer authentication flows.

• Experience with fraud tooling, risk scoring, rule engines, or third-party fraud vendors.

• Familiarity with chargeback flows, fraud codes, and scheme monitoring thresholds.

• Strong stakeholder management – able to navigate engineering, compliance, commercial, and scheme teams.

• Skilled in Agile delivery, backlog management, and release planning.

• Experience in hospitality or travel verticals where fraud/auth logic is tightly coupled to PMS or delayed fulfilment.

• Working knowledge ofdevice fingerprinting,biometrics, or delegated authentication schemes.

• Experience using data science-driven fraud signals or risk-based authentication approaches.

• Exposure to billing logic for fraud tools (e.g. per txn pricing, scoring tier costs, exemption tracking).

Why Planet:

Planet is an equal opportunity employer where diversity is valued, and all employment is decided based on qualifications, merit, and business need.

Come and grow your career in the most exciting, fast paced technology market, with a business that delivers feel-good connected commerce. We would love to hear from you – Apply now.

At Planet, we embrace a hybrid work model, with three days a week in the office.

Reasonable accommodations may be made in order to allow for an individual to perform the essential functions of this role successfully.