Principal Product Manager, Risk & Fraud

Circle is hiring a Principal Product Manager to own the strategy and execution of its risk platform. The role partners with compliance, legal, engineering, data science, and business teams to build scalable risk and fraud infrastructure across crypto and traditional financial rails.

Responsibilities:

• Define the strategy and roadmap for a risk and fraud platform that supports real-time and asynchronous risk decisions across products and markets 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
• Build fraud prediction and detection systems from the ground up by defining risk vectors affecting Circle’s product roadmap and executing mitigating controls to address them by integrating party vendor models, and creating iterative feedback loops that learn from past fraudulent behavior
• 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
• 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 typologies in consumer/SMB segments, signals & strategies to mitigate them and hands-on experience crafting risk rules
• Deep expertise in AML, sanctions screening, and onboarding compliance (e.g., KYC/KYB)
• 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 & SDKs, 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