Principal Product Manager

Circle is a financial technology company focused on the emerging internet of money, providing innovative payment solutions and infrastructure. As a Principal Product Manager, you will lead the strategy and execution of the risk platform, collaborating with various stakeholders to ensure compliance and operational efficiency in both crypto and traditional finance.

Responsibilities:

• Design and scale a modular, extensible risk platform that supports crypto- and traditional financial rails, as well as risk-related use cases across onboarding, account linking, and other customer lifecycle events — with a focus on building a user-friendly rules engine and intuitive tooling for risk operators
• Define and implement observability strategies to ensure risk platform integrity, including monitoring performance, validating critical flows, and surfacing key risk indicators to inform prioritization and executive decision-making
• Evolve Circle’s travel rule platform to ensure jurisdictional coverage, interoperability, and seamless integration with internal systems and partner networks
• Leverage AI/ML to automate risk decisioning and operational processes; lead feature/context engineering, model development, evaluation/monitoring frameworks
• Maintain clear, comprehensive documentation of platform design, functionality, and dependencies to ensure internal transparency and audit readiness
• Translate regulatory requirements and business needs into clear product requirements, insights, and user stories for engineering execution
• Represent the risk platform in senior leadership and regulatory forums, aligning cross-functional strategy and demonstrating how Circle’s infrastructure meets evolving compliance obligations at scale

Requirements:

• 10+ years of product management experience building risk, compliance, or trust & safety platforms in fintech, crypto, or financial services
• Deep expertise in fraud, AML, sanctions screening, and onboarding compliance (e.g., KYC/KYB), with hands-on experience crafting risk rules based on real-world typologies
• Track record of translating regulatory requirements into scalable, policy-driven platform capabilities that support both real-time and asynchronous risk decisioning across crypto and fiat rails
• Experience leading modular platform design, including refactoring monolithic services into scalable, service-oriented architectures
• Skilled in collaborating with engineering, data science, and operations teams to ship complex infrastructure products; able to influence senior stakeholders and drive alignment across functions
• Highly analytical and data-driven, with experience applying ML, risk signals, and scoring models to improve detection, decisioning, and operational efficiency
• Strong technical fluency, including working knowledge of APIs, event-driven architectures like SNS/SQS or equivalent, SQL, GitHub or equivalent
• Background in RegTech, banking, or scaled fintech, with direct exposure to complex regulatory environments
• Expertise in blockchain technologies and crypto compliance, including chain types, on-chain travel rule requirements, blockchain monitoring, and evolving crypto regulations
• Experience with rapid prototyping using AI tools to accelerate product exploration, workflow automation, or internal tooling development