Fraud Risk Product Manager — Seamless Banking

Mercury; United States; Remote; USD 201,000 - 251,000; Full time

Job summary

Mercury is seeking a Product Manager for Fraud to lead the strategy and roadmap that balances customer experience with risk controls. You will shape holds, verification steps, and friction points across money movement and account integrity, partnering with data science to deploy ML-driven models and measure impact.

You will work with risk, product, and engineering teams to define priorities, design user journeys, and scale Mercury’s risk capabilities as the product suite expands.

Qualifications

• 7+ years of product management experience in fraud or risk within banking or fintech.
• Deep customer empathy and understanding of how risk friction impacts user experience, growth and retention.
• Experience with complex automated decisioning systems, rules, ML models, real-time data pipelines.
• Proficiency with analytics and translating performance or model insights into priorities.
• Strong cross-functional leadership navigating tradeoffs between risk, compliance, and customer experience.
• Exceptional communication skills to translate risk concepts into product strategy.
• Ability to operate with ambiguity and make balanced decisions with imperfect information.

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 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 our 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 both risk effectiveness, operational, and customer experience impact
• Support the development of Mercury's risk capabilities to scale across our expanding product suite

Skills

Fraud domain expertise

Product management

Cross-functional leadership

Analytics and data-driven decision

ML models understanding

Risk and compliance awareness

Customer experience focus

Job description

Mercury is seeking a Product Manager for Fraud to lead the strategy and roadmap that balances customer experience with risk controls. You will shape holds, verification steps, and friction points across money movement and account integrity, partnering with data science to deploy ML-driven models and measure impact.

You will work with risk, product, and engineering teams to define priorities, design user journeys, and scale Mercury’s risk capabilities as the product suite expands.