Principal Product Manager, Risk & Fraud

As a Principal Product Manager for Risk and Fraud at Circle, you own the strategy and execution of the risk platform, ensuring it scales to support new products, markets, and global regulatory requirements. You act as a cross-functional leader, partnering with compliance, legal, engineering, data science, and business stakeholders to align priorities and deliver resilient infrastructure that supports both crypto and traditional financial rails. By combining product vision, technical fluency, and deep compliance expertise, you enable Circle to manage risk with precision, meet evolving regulatory expectations, and uphold the highest standards of trust and safety.

What you'll do

• Define the strategy and roadmap for a risk and fraud platform that supports real-time and asynchronous risk decisions across products and markets on both crypto and traditional financial rails, including 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, executing mitigating controls to address them by integrating third-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, leading feature and context engineering, model development, and evaluation and 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.

What you bring

• 10+ years of product management experience building risk, compliance, or trust and safety platforms in fintech, crypto, or financial services.
• Deep expertise in fraud typologies in consumer and SMB segments, signals and strategies to mitigate them, and hands-on experience crafting risk rules.
• Deep expertise in AML, sanctions screening, and onboarding compliance such as KYC and KYB.
• A 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.
• Ability to collaborate with engineering, data science, and operations teams to ship complex infrastructure products, influence senior stakeholders, and drive alignment across functions.
• Highly analytical and data-driven mindset, with experience applying ML, risk signals, and scoring models to improve detection, decisioning, and operational efficiency.
• Strong technical fluency, including working knowledge of APIs and SDKs, event-driven architectures such as SNS/SQS or equivalent, SQL, and GitHub or equivalent.

Nice to have

• 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.

About Circle

Circle (NYSE: CRCL) is one of the world's leading internet financial platform companies building the foundation of a more open, global economy through digital assets, payment applications, and programmable blockchain infrastructure. The platform includes USDC, the world's largest regulated stablecoin network; Circle Payments Network for global money movement; and Arc, an enterprise-grade blockchain. Enterprises, financial institutions, and developers use Circle to power trusted, internet-scale financial innovation.