Senior Product Manager, Risk

SENIOR PRODUCT MANAGER, RISK

Current is a leading consumer fintech platform transforming financial access for everyday Americans with over five million members. We provide access to financial solutions that seamlessly work together to solve the needs of our members and enable all Americans to build better financial futures. Based in NYC, our results-driven environment drives us to build better products, grow faster and empower everyone on our team to have an impact on our business and mission to improve financial outcomes.

ABOUT THE ROLE

We’re looking for a Senior Product Manager to join our Risk team! The ideal candidate is passionate about protecting customers from harm while minimizing friction for trusted users. You’ll play a pivotal role in how we detect, prevent, and respond to fraud, shaping secure and seamless experiences across our platform.

This is a high-impact, cross-functional role spanning the full product lifecycle, from strategy and discovery to execution and iteration. You’ll collaborate with Engineering, Risk Operations, Compliance, Data, and Customer Experience to protect our customers, our platform, and our brand.

RESPONSIBILITIES

• Drive the product vision and strategy for key risk domains, such as account onboarding and account takeover prevention, card and money movement transaction risk, step-up authentication experiences, and dispute resolutions
• Lead discovery and delivery, owning the roadmap, writing product requirements and system documentation, managing trade-offs, and prioritizing backlogs
• Drive execution across cross-functional teams, translating strategic goals into clearly scoped features and iterative delivery plans
• Monitor performance by defining and tracking KPIs that reflect risk posture, user experience, operational impact, and compliance adherence
• Design and optimize controls in partnership with Data team, evolving detection rules and workflows based on fraud trends and experimentation
• Continuously assess threats, identifying new fraud patterns and proposing product or platform interventions to stay ahead of attackers
• Build scalable foundations, ensuring our risk systems grow in line with customer volume, operational needs, and regulatory expectations
• Champion safety and usability, balancing risk mitigation with customer experience and operational efficiency
• Communicate clearly with leadership, surfacing progress, blockers, and emerging threats in a fast-moving landscape

ABOUT YOU

• You challenge the status quo and turns ideas into action
• Strong instincts around consumer UX and risk trade-offs
• Curious and investigative mindset, loves to dig into problems and find root causes
• Excellent communicator and collaborator across disciplines
• Comfortable with ambiguity and willing to get into the weeds
• Technically fluent, able to earn the trust of engineers and understand system constraints

REQUIREMENTS 

• 5+ years of Product Management experience in Risk, Fraud, Identity, or Trust & Safety
• Deep understanding of fraud vectors (e.g., ATO, synthetic identity, first-party fraud, money mules). 
• Proven ability to ship complex products in regulated or high-risk environments
• Strong analytical and experimentation skills; fluent with data tools (e.g., Looker, Datadog, Amplitude)
• Track record of effective cross-functional alignment and stakeholder management
• Empathy for both customers and frontline operators
• Excellent written and verbal communication skills
• Comfortable working at both the strategy and execution level

NICE TO HAVE

• Experience working on step-up authentication, device fingerprinting, or real-time decision engines
• Familiarity with risk scoring models, fraud rules management, or KYC/AML systems
• Knowledge of consumer protection regulations (e.g. Reg E, Reg Z)
• Experience with third-party risk tools or vendor integrations

This role has a base salary range of $170,000 - $204,000. Compensation is determined based on experience, skill level, and qualifications, which are assessed during the interview process. Current offers a competitive total rewards package which includes base salary, equity, and comprehensive benefits. 

BENEFITS

• Competitive salary 
• Meaningful equity in the form of stock options 
• 401(k) plan
• Discretionary performance bonus program 
• Biannual performance reviews
• Medical, Dental and Vision premiums covered at 100% for you and your dependents 
• Flexible time off and paid holidays 
• Generous parental leave policy
• Commuter benefits 
• Fitness benefits
• Healthcare and Dependent care FSA benefit 
• Employee Assistance Programs focused on mental health 
• Healthcare advocacy program for all employees 
• Access to mental health apps 
• Team building activities
• Our modern Chelsea-based office with open floor plan, stocked kitchen, and catered lunches