Senior Product Manager - Account Fraud and Enablement

Summary

Join Mercury as a Senior Product Manager for Account Fraud and Risk Enablement and build products that balance customer experience with fraud prevention. You will develop a deep understanding of customers and money movement products to create systems protecting them and Mercury from fraud. This role involves building 0-1 products for end users and internal risk teams to ensure a seamless and safe banking experience. You will lead in redefining how risk friction is used, measured, and optimized for a seamless banking experience. Responsibilities include designing and implementing the strategic vision for risk enablement, creating user journeys that apply appropriate friction based on risk signals, and developing self-service resolution paths. You will also partner with data science and product teams to improve risk models and build operational tools.

Requirements

• 7+ years of product management experience, ideally with experience in financial risk systems or anti-fraud infrastructure
• Deep understanding of how friction points affect customer experience and customer retention metrics
• Experience working with automated decisioning systems using multiple data inputs and complex rule engines
• Proficiency in understanding risk data and identifying patterns that can be operationalized into product improvements
• 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

Responsibilities

• Design and implement the strategic vision for Mercury's risk enablement - including hold management, limit structures, step-up verification, and related friction points
• Create user journeys that apply appropriate friction based on risk signals while minimizing disruption to legitimate customer activity
• Develop self-service resolution paths that empower customers to navigate risk-related obstacles with minimal manual intervention
• Build the operational tools that enable our risk and support teams to efficiently manage exceptions and high-touch cases
• Partner with data science to develop and deploy risk models that continuously improve through feedback loops
• Partner with the product teams building the platform for the future of risk management at Mercury
• Establish and track metrics that measure both risk effectiveness and customer experience impact
• Support the development of API strategies that allow Mercury's risk capabilities to scale across our expanding product suite

Benefits

• Base salary
• Equity (stock options)