Senior Product Manager (Risk/Compliance) - Remote

As a Senior Product Manager at PayNearMe, you will lead the evolution of our fraud, risk, and compliance platforms, with a strong focus on data-driven decisioning, and modern adaptive controls.  This role is critical to enabling secure, compliant money movement across PayNearMe’s network of consumers, billers, and partners.

In this role, you will drive product strategy and execution, evolving our capability to prevent fraud, manage financial and operational risk, and support regulatory compliance at scale — while ensuring PayNearMe continues to deliver trusted, accessible payment experiences.

Leveraging deep analysis of user behavior, industry trends, and market signals, you will guide our roadmap and delivery across internal solutions and partner integrations, using clear success metrics, while ensuring the platform remains compliant, and responds dynamically to emerging fraud and regulatory risk.

This is a high-impact, cross-functional role, partnering closely with Risk, Compliance, Product, Engineering, Client Success, and Executive Leadership to identify opportunities, prioritize investments, and shape the future of our platform.

Responsibilities

• Own the product vision, strategy, and roadmap for fraud prevention, risk management, and compliance 
• Synthesize client usage, market research, competitive analysis, and client feedback into actionable insights that inform strategy and investment themes
• Communicate product vision and priorities, across teams and stakeholders.
• Translate regulatory, risk, and operational requirements into clear product requirements, user stories, and success metrics
• Collaborate with Compliance, Legal, and Risk teams to ensure products meet banking and regulatory obligations and business requirements
• Use quantitative and qualitative data to identify emerging fraud trends, evaluate risk exposure, and prioritize product investments
• Balance risk mitigation with customer experience, minimizing friction while maintaining strong protections
• Serve as a subject-matter expert and advocate for fraud, risk, and compliance considerations across the product organization
• Deliver scalable, automated, and data-driven solutions to mitigate fraud and financial risk across ACH, cards, cash payments, real-time payments, and partner integrations
• Act as a thought partner and subject-matter expert on fraud, risk, and compliance across the Product organization

Qualifications

• 6+ years of product management experience, including strategic or platform-level work.
• Strong understanding of regulatory dynamics in fintech, payments, and lending.
• Deep experience in electronic payments. Knowledge of banking, lending, gaming, or billpay.
• Proven ability to make strategic tradeoffs, and establish clear priorities.
• Curiosity, adaptability, and a passion for solving complex, cross-functional problems.
• Strong analytical skills, asking the right questions to derive key answers.
• Using metrics to drive and measure success.
• Ownership, empathy, and resilience.
• Experience interpreting market data and client insights.

Communication & Leadership

• Confident storyteller who translates analysis into clear, actionable decisions.
• Able to align stakeholders and influence cross-functional teams.
• Excellent communication and collaboration skills, at all levels.

Nice to Have

• Comfortable with technical integrations and platform strategies.
• AI-savvy with hands-on expertise building or using models and agents.

Additional Information

Why Join Us?:

• Competitive salary and benefits with growth-company options grant
• Fast- paced and professional work culture
• Stock options with standard startup vesting - 1 year cliff; 4 years total
• $50 monthly communication expense stipend to go towards your phone/internet bill
• $250 stipend to enhance your WFH setup
• Reimbursement for peripheral equipment: monitor (up to $400), keyboard and mouse (up to $200)
• Premium medical benefits including vision and dental (100% coverage for employees)
• Company-sponsored life and disability insurance
• Paid parental bonding leave
• Paid sick leave, jury duty, bereavement
• 401k plan
• Flexible Time Off (our team members typically take off ~3-4 weeks per year)
• Volunteer Time Off
• 13 scheduled holidays

Salary Range: $150,000 - $185,000

PayNearMe strives to create a workplace where all employees thrive. Our core values represent who we are today and we take pride in the way we work with each other as well as with our stakeholders.

We’re in this together to do the right thing. We deliver real results we are proud of while remaining respectful, transparent, and flexible.

PayNearMe is an equal opportunity employer. We are diligently and thoughtfully working towards cultivating a diverse workforce which in turn, enhances our products and services for the communities we serve. Applicants who represent all backgrounds are strongly encouraged to apply.

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CALIFORNIA CONSUMER PRIVACY ACT: APPLICANT NOTICE

Effective Date: January 1, 2020

Last Reviewed on: December 23, 2019

PayNearMe, Inc. (the “Company”) is providing you with this Notice (“Notice”) to inform you about:

1. the categories of Personal Information that the Company collects and maintains about applicants; and
2. the purposes for which the Company uses that Personal Information.

For purposes of this Notice, “Personal Information” means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly with, a natural person that the Company may collect in connection with screening applicants for job openings at the Company.

1. Identifiers and Professional or Employment-Related Information. The Company collects identifiers and professional or employment-related information, which may include some or all the following: real name, nickname or alias, postal address, telephone number, e-mail address, membership in professional organizations, professional certifications, language skills, and current and past employment history. The Company collects this Personal Information to evaluate previous job performance and consider applicants for positions, to develop a talent pool and plan for succession, to conduct applicant surveys, to maintain an internal applicant directory and for purposes of identification, to promote the Company as a place to work, and for workforce reporting and data analytics/trend analysis.
2. Personal Information Categories from Cal. Civ. Code § 1798.80(e). The Company may collect categories of Personal Information listed in Cal. Civ. Code §1798.80(e), other than those already listed above, (a) to the extent necessary to comply with the Company’s legal obligations, such as to accommodate disabilities; (b) to conduct a direct threat analysis in accordance with the Americans with Disabilities Act and state law; (c) for occupational health and safety compliance and record-keeping; and (d) to respond to an applicant’s medical emergency.
3. Characteristics of Protected Classifications Under California or Federal Law. The Company may collect information about race, age, national origin, disability, sex, and veteran status as necessary to comply with legal obligations, including the reporting requirements of the federal Equal Employment Opportunity Act, the federal Office of Contracting Compliance Programs (applicable to government contractors), and California’s Fair Employment and Housing Act. The Company collects this Personal Information for purposes including: to comply with Federal and California law related to accommodation. The Company also collects this category of Personal Information on a purely voluntary basis, except where required by law, and uses the information only in compliance with applicable laws and regulations.
4. Education Information. The Company collects education information such as resumes and graduation records. The Company collects this Personal Information to determine suitability for roles, to determine eligibility for training courses, and to assist with professional licensing.
5. Profile Data. The Company may collect profile data, including the following: psychological assessments, behavior analyses, or other profiling of its applicants. The Company collects this Personal Information to determine aptitude for certain positions and job assignments as well.
6. Background Screening Information. In the event that an applicant is given a formal job offer, the Company collects background screening information prior to hiring, including results of the following types of background screening: criminal history; sex offender registration; motor vehicle records; credit history; employment history; drug testing; and educational history. The Company collects this Personal Information to screen for risks to the Company and its clients, and continued suitability for their jobs and to evaluate applicants for promotions.

Assistance for Disabled Applicants

Alternative formats of this Notice are available to individuals with a disability. Please let us know if you need assistance.

All your information will be kept confidential according to EEO guidelines.