Senior Product Manager - Fraud

At Mercury, we believe banking should be empowering and seamless, not difficult, confusing, or stressful. As a Product Manager for Fraud, you’ll build products that enable Mercury to master tools like holds, limits, locks, and closures while deftly balancing customer experience with fraud prevention.

You'll develop a deep understanding of our customers, their accounts, and our money movement products to build systems that protect our customers and Mercury from fraud. You’ll work cross-functional to build products for both end users and internal risk teams.

What You'll Do:

• 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 on 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.

What You Bring:

• 7+ years of relevant product management experience, including experience within fraud or risk in banking or fintech environments.
• Deep customer empathy and understanding of how risk friction impacts user experience, growth, and retention.
• Experience working with complex automated decisioning systems, rules, ML models, and real-time data pipelines.
• Proficiency with analytics and an ability to understand performance of rules and ML models, trade-offs with precision/recall, and translate understanding into actionable insights.
• Strong track record of cross-functional leadership, particularly in navigating tradeoffs between risk, compliance, and customer experience priorities.
• Exceptional communication skills that allow you to translate complex risk concepts into actionable product strategies.
• Comfort with ambiguity and ability to make balanced decisions with imperfect information.