Senior PM, AI-Driven Risk & Fraud Decisioning

Cardless; San Francisco (CA); On-site; USD 200,000 - 250,000; Full time

Benefits offered by this job

Meaningful Start-up equity

100% health, vision & dental primary</

75% health, vision & dental dependent

Catered lunches

$250/month Commuter benefit

Parental leave

Team building events & happy hours

Flexible PTO with a minimum of 15 days

Apple equipment

401k plan

Job summary

Cardless in San Francisco is seeking a Senior Product Manager to lead risk and fraud decisioning. You will build toward AI-powered decisioning that learns and adapts to approve good customers while reducing losses.

You will own the roadmap for fraud, account takeover, and transaction risk, turning diverse signals into predictive decisions. Work with engineers and data scientists to ensure explainable, auditable outcomes and impactful business results.

Qualifications

• You've built or owned fraud, risk, or decisioning products at banks, issuers, processors, fintechs, or fraud/identity companies.
• You have a strong point of view on AI/ML in risk decisioning and can translate vision into better decisions.

Responsibilities

• Set the long-term vision and roadmap for risk and fraud systems across identity, account, and transaction risk.
• Turn data into an intelligence advantage by combining partner, behavioral, financial, and network signals.
• Own how risk decisions are made, balancing loss prevention with customer friction.
• Advise AI/ML enhancements to detect and adapt to new fraud patterns.
• Make decisions explainable and auditable for traceability.

Skills

Fraud/risk product ownership

AI/ML in risk decisioning

Data analysis

Systems thinking

Effective communication

Job description

Cardless in San Francisco is seeking a Senior Product Manager to lead risk and fraud decisioning. You will build toward AI-powered decisioning that learns and adapts to approve good customers while reducing losses.

You will own the roadmap for fraud, account takeover, and transaction risk, turning diverse signals into predictive decisions. Work with engineers and data scientists to ensure explainable, auditable outcomes and impactful business results.