Card Product Manager - Risk

MetaComp; Singapore; Sur place; SGD 120 000 - 180 000; Plein temps

Résumé du poste

MetaComp Pte Ltd is seeking a Product Manager to own card risk monitoring across the card issuing business. You will build rules and tooling that detect fraud while maintaining a smooth customer experience.

Collaborate with Risk, Compliance, Engineering, and Data Science, and interface with card schemes and BIN sponsors to ensure compliant, fast decision engines in a dynamic payments environment. Professional background in payment risk control and real-time systems, plus SQL data analysis, is

Qualifications

• Bachelor's degree or above with 3+ years in payment risk control, card issuing, or digital banking product management.
• Experience in card issuing risk control / real-time interception / limit management / loss prevention (strongly relevant).
• Understanding of crypto basics; experience with crypto cards or Web3 payments is a plus.

Responsabilités

• Lead the card-issuing risk control product architecture: end-to-end risk platform with real-time interception rules, limit systems, and alerting mechanisms.
• Optimize risk rules and threshold configurations to reduce false positives while balancing payment approvals.
• Build post-transaction monitoring and review workflows, including authorization holds and loss-prevention tools.
• Design tiered controls, 3DS strategies, and risk protection for different user tiers and card types.
• Collaborate with risk operations to improve alert routing, case management, and review workflows.
• Interface with card networks and BIN sponsors to ensure regulatory and network compliance and stable decision engines.
• Enable AI/ML models to improve detection accuracy and reduce manual costs.

Connaissances

Payment risk control

Card issuing systems

Real-time authorization

Risk rules design

SQL & data analysis

Cross-functional collaboration

Crypto/Web3 knowledge

Formation

Bachelor's degree or above

Outils

SQL

Fraud detection tools

Description du poste

MetaComp Pte Ltd is a leading Singapore-based digital payment solution provider, licensed and regulated by the Monetary Authority of Singapore (MAS) as a Major Payment Institution, to provide Digital Payment Token Services and Cross-border Payment Transfers. Operating under a P2B2C (platform-to-business, partners-to-clients) model, MetaComp provides its clients with an integrated end-to-end suite of services, empowering them to confidently enter the digital asset market with much-needed safety, security, and compliance assurance. Together with its parent company, Metaverse Green Exchange Pte. Ltd. (a MAS-licensed CMS holder permitted to carry out, inter alia, brokerage and custody services), MetaComp introduces its suite of services through CAMP (Client Assets Management Platform) which allow businesses to develop and scale their digital asset offerings through various products and/or services such as over-the-counter transactions, fiat payments, digital asset custody and prime brokerage.

About the role

We are looking for a Product Manager to own our card risk monitoring capabilities across the card issuing business. You will build the products, rules and tooling that detect and prevent fraud, scams and misuse on our cards, while keeping a smooth experience for legitimate customers. You will work closely with Risk, Compliance, Engineering, Data Science and Operations, and with card schemes and issuing partners.

What you will do

About the Role:

Responsibilities

• Lead the card-issuing risk control product architecture: Own the full lifecycle of the card issuing payment risk control product, building an end-to-end risk platform encompassing real-time authorization interception rules, static/dynamic limit systems, and abnormal transaction alerting mechanisms.
• Optimize rules and reduce false-positive rates: Continuously refine risk engine rules and threshold configurations to improve fraud detection quality while significantly reducing false-positive (false-decline) rates, balancing risk control red lines against payment approval rates.
• Build post-transaction monitoring and loss-prevention tools: Establish scalable post-transaction monitoring and manual review workflows; design authorization holds, offline force-debit protection, and settlement-cycle FX slippage prevention mechanisms.
• Design tiered and scenario-based controls: Tailor differentiated limit controls, 3DS verification strategies, and risk protection mechanisms for different user tiers, card types, and suspicious payment scenarios.
• Collaborate on risk operations and case efficiency: Work closely with the risk operations team to optimize alert routing, case management, and review/unblocking workflows, improving investigation and processing efficiency.
• Interface with card networks and BIN sponsors on compliance: Partner with data and engineering teams to ensure the stability of millisecond-level decision engines, ensuring the card portfolio's fraud rate complies with Visa/Mastercard and BIN Sponsor compliance and regulatory requirements.
• Enable AI and advanced analytics: Explore and apply AI and machine learning models to improve detection accuracy for complex fraud rings and anomalous transactions, reducing manual operational costs.

Requirements

Basic Qualifications

• Bachelor's degree or above, with 3+ years of experience in payment risk control, card issuing systems, or digital banking product management.
• Experience in product design related to card issuing risk control / real-time authorization interception / limit management / loss prevention (strongly relevant experience preferred).
• Understanding of the fundamentals of how crypto operates; experience with crypto cards or Web3 payments is a plus.

Professional Skills

• 3+ years of experience as a product manager in payment risk control, card issuing systems, or digital banking, with experience building issuing-side real-time authorization interception, transaction monitoring, or anti-fraud systems.
• Ability to plan and configure risk detection logic, static/dynamic limit matrices, frequency rules, identity verification strategies, and risk thresholds.
• Strong data-driven mindset, proficient with SQL and data analysis tools to investigate anomalous transaction signals, evaluate rule performance, and optimize false-positive rates.
• Excellent cross-functional communication skills, able to collaborate effectively with risk operations, compliance, data analytics, and engineering teams to drive complex projects to completion.
• Experience building automated, scalable risk control systems within a strict risk and compliance environment, with the ability to balance interception rates, operational processing efficiency, and user payment experience.

Nice to Have

• Experience building card issuing systems or integrating with third-party CaaS (Card-as-a-Service) providers.
• Experience building crypto cards or crypto on/off-ramp solutions.
• Experience building a card issuing risk control engine or risk case management system from 0 to 1.
• Familiarity with early chargeback-prevention networks such as Ethoca / Verifi, and card network dispute/chargeback handling processes.

We are committed to creating an inclusive workplace where every individual feels respected, valued, and empowered to contribute. We celebrate diversity in all its forms background, ethnicity, gender, identity, orientation, experience, and thought and believe it strengthens our culture and our work. We are proud to be an equal opportunity employer and do not discriminate on the basis of race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, or any other protected characteristic.