Product Manager, Risk and Fraud

the person who can hold all three conversations without a translator.

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WHAT YOU WILL OWN

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Revenue products

• Define, price and ship monetisable risk and fraud products: fraud scoring

and screening tiers, chargeback protection and representment tooling,

dispute automation, merchant-facing risk dashboards, KYB / identity

verification as a paid capability, and risk services for platform and

marketplace partners.

• Build the commercial case: attach rate, pricing model, loss economics,

payback. Own the P&L logic of what you ship, not just the roadmap.

• Work with Sales and Partnerships to take these products to market — you will

be in customer calls, and you will lose some of them and learn why.

Compliance and risk engineering

• Own the product surface of transaction monitoring, sanctions and PEP

screening, merchant onboarding and KYB, prohibited-industry and MCC policy

enforcement, and chargeback and fraud loss controls.

• Turn regulatory obligations and internal policy into shipped system

behaviour: rules, thresholds, queues, audit trails, evidence packs,

escalation paths and reporting.

• Drive rule tuning and alert quality as a product metric. False positive

rate, analyst minutes per alert and precision at the top of the queue are

yours to move.

• Evaluate, integrate and manage third-party vendors — fraud engines,

screening providers, device intelligence, identity — including build vs.

buy calls and commercial negotiation support.

Stakeholder leadership

• Be the trusted counterpart to the Compliance and MLRO function. You will not

ship around them, and they will not be surprised by what you ship.

• Handle regulator, partner-bank and scheme-facing product questions:

respond to information requests, explain control design, and evidence that

the system does what the policy says it does.

• Translate between compliance intent and engineering implementation in both

directions, and say plainly when a control cannot be built the way it was

written.

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WHAT WE ARE LOOKING FOR

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Non-negotiable

• 5+ years in product management, with meaningful time spent on compliance,

risk or fraud engineering INSIDE a payments company — a PSP, acquirer,

payment facilitator, card issuer, remittance provider, digital bank,

marketplace payments team or fraud/RegTech vendor. Adjacent fintech

experience without payments exposure is not a substitute.

• Demonstrated ownership of systems that a regulator, auditor or scheme has

actually examined. You should be able to describe a control you designed and

how it held up under scrutiny.

• Working fluency in the regulation, not a reading knowledge: AML/CFT

obligations and the MAS Payment Services Act notices, or an equivalent

regime you have operated under (BNM, BSP, AUSTRAC, FinCEN, FCA). CDD/KYB,

ongoing monitoring, STR/SAR workflow, sanctions screening, record keeping.

• Card scheme and network risk programmes: Visa VAMP / VDMP, Mastercard

Excessive Fraud and Chargeback programmes, dispute lifecycle and

representment, 3-D Secure and SCA, PCI DSS scope.

• Fluency with data. You can write your own SQL, interrogate a warehouse, size

a rule's impact before proposing it, and refuse a metric that does not hold

up.

• A track record of working with compliance stakeholders as partners — people

whose job is to say no — and shipping anyway, without cutting corners.

Strong signals

• You have taken a risk or fraud capability to market as a paid product, not

just an internal tool.

• Southeast Asian market experience, particularly Singapore, Malaysia or the

Philippines, and comfort with the local payment rails.

• Hands-on with fraud and screening platforms (Forter, Sift, Sardine,

Ravelin, ComplyAdvantage, Flagright, Unit21 or similar) as an operator, not

a buyer on a slide.

• You can prototype. You use AI tooling to move faster and you write enough

code to be dangerous and useful.

• Experience with merchant underwriting and portfolio risk at a payment

facilitator, including reserves, exposure and offboarding decisions.

How you work

• You go find the root cause. You do not ship a workaround and call it done.

• You are opinionated and you show your reasoning, and you change your mind

when the data says so.

• You write clearly. Specs, policy mappings and post-incident write-ups are

part of the job, not an overhead.

• You are comfortable being the person accountable when a control fails.

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WHAT SUCCESS LOOKS LIKE

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First 90 days

• You know our risk stack end to end: what runs, what is manual, what is

theatre, and where the real losses are coming from.

• You have a documented view of our fraud and chargeback loss economics by

market and by provider, and you have named the top three fixable causes.

• You have shipped at least one improvement to alert quality or onboarding

friction that Compliance and Ops can feel.

First 12 months

• At least one risk or fraud product is live, priced, and generating revenue

with a defensible attach rate.

• Fraud and chargeback loss as a share of processed volume is down, and you

can attribute the movement.

• Compliance review and onboarding turnaround times are materially shorter

without a loosening of standards.

• Our monitoring and screening coverage stands up to a partner-bank or

regulator review without a scramble.

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WHY THIS ROLE

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• Real ownership. This is a product line, not a backlog. You will set the

strategy and be accountable for the outcome.

• Small team, direct access. You will work with the founders. Decisions take

days, not quarters.

• The problems are genuine. Multi-market regulation, live fraud, real money,

real merchants — and a product surface that almost nobody in this region has

built properly yet.

A meeting lands on your calendar

If they’re a yes, I book the chat. You show up — that’s the whole job-hunt.