Hybrid CIAM Product Lead: Modern Auth & Risk AI

Citizens Bank; United States; Hybrid; USD 142,000 - 185,000; Full time

Benefits offered by this job

Medical, dental and vision coverage

Retirement benefits

Flexible work arrangements

Education reimbursement

Wellness programs

Maternity/paternity leave

Generous PTO

Job summary

Citizens Bank seeks a Product Manager for CIAM Authentication & Identity Platform Delivery Lead to unify authentication across channels and drive a modern, adaptive identity ecosystem. You will lead cross-functional efforts across Security, Fraud, Digital, and Technology to reduce friction while strengthening fraud defenses.

You will balance near-term delivery (OTP consolidation, channel integration) with long-term platform transformation, delivering measurable business impact on CX, fraud

Qualifications

• 7+ years in product management, platform delivery, or identity/authentication/fraud domains.
• Proven experience leading enterprise-scale platform transformations, ideally CIAM or authentication modernization.
• Strong expertise in modern authentication technologies (passkeys/FIDO2, biometrics, MFA, device intelligence, identity verification).
• Experience delivering risk-based or adaptive authentication and integrating fraud/risk signals into customer journeys.
• Deep understanding of CIAM principles, identity orchestration, and omnichannel journeys.
• Experience driving OTP consolidation or authentication platform rationalization (strongly preferred).
• Expertise in Agile delivery (SAFe, Scrum, Kanban) at scale.
• Strong executive communication skills with ability to translate identity strategy into business outcomes.
• Demonstrated ability to lead cross-functional teams and influence without authority.
• Experience defining and managing KPIs tied to business outcomes (conversion, fraud reduction, CX).
• Ability to balance security, customer experience, and operational efficiency in authentication design.
• Experience with AI/analytics-driven identity or fraud capabilities preferred.

Responsibilities

• Lead delivery of a centralized CIAM platform across mobile, digital, contact center, and branch channels.
• Drive OTP and authentication consolidation strategy to reduce redundancy and improve experience.
• Define and execute the roadmap for passwordless and risk-based authentication (passkeys, biometrics, signals).
• Embed risk-based decisioning and AI-driven identity intelligence in authentication flows.
• Partner across Security, Fraud, Digital, and Technology to align enterprise standards.
• Enable omnichannel identity orchestration with persistent identity signals.
• Own delivery outcomes, adoption, and scalable implementation with measurable impact.
• Establish enterprise authentication standards and governance to avoid fragmentation.
• Track KPIs like authentication success, step-up, fraud loss, and conversion lift.

Skills

CIAM expertise

Platform delivery

Identity authentication

Agile delivery

Executive communication

Cross-functional leadership

KPIs & metrics

Education

Bachelor’s degree

Advanced degree preferred

Job description

Citizens Bank seeks a Product Manager for CIAM Authentication & Identity Platform Delivery Lead to unify authentication across channels and drive a modern, adaptive identity ecosystem. You will lead cross-functional efforts across Security, Fraud, Digital, and Technology to reduce friction while strengthening fraud defenses.

You will balance near-term delivery (OTP consolidation, channel integration) with long-term platform transformation, delivering measurable business impact on CX, fraud