This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Senior Product Manager (Risk & Fraud) based in Portugal.
As a Senior Product Manager, you will own the strategy and roadmap for fraud prevention, risk management, account security, and trusted customer experiences.
You will shape solutions across account creation, authentication, checkout, payments, subscriptions, and post-purchase journeys in a high-volume transactional environment.
The role combines product strategy, data-driven decision-making, and hands-on collaboration with engineering, data, finance, risk operations, and support teams.
You will balance conversion, fraud losses, customer experience, compliance, and operational costs to maximize business impact.
Your work will directly influence fraud rates, chargebacks, dispute outcomes, false positives, and overall platform profitability.
You will lead initiatives from discovery through launch and optimization while staying ahead of evolving fraud tactics, payment technologies, and regulatory requirements.
This is an opportunity to take significant ownership in a global, distributed product organization and build safer, more trusted commerce experiences.
Accountabilities:
- Own and evolve the product roadmap for account management, authentication, authorization, security, fraud prevention, and KYC/KYB capabilities.
- Lead initiatives covering MFA, reCAPTCHA, OAuth2, SSO, SAML, enterprise identity integrations, role-based access control, subscriptions, entitlements, usage limits, and account security.
- Define strategies for payment security across checkout, fraud rules, 3-D Secure, and Strong Customer Authentication (SCA).
- Analyze end-to-end customer journeys, including onboarding, login, account recovery, subscription changes, white-label and gray-label experiences, identifying opportunities to reduce friction while strengthening fraud protection.
- Define and prioritize product initiatives that balance conversion, fraud exposure, compliance requirements, customer experience, and operational efficiency.
- Use ROI-driven prioritization and trade-off analysis to optimize business outcomes and take ownership of the financial performance of fraud and security initiatives.
- Lead product delivery from discovery and problem definition through release and post-launch optimization, establishing measurable success criteria and monitoring performance.
- Track key metrics including fraud rates, chargeback ratios, dispute win rates, false-positive rates, manual review times, and fraud-related support volumes.
- Partner closely with engineering, data, finance, risk operations, customer support, logistics, and other cross-functional teams to deliver resilient and compliant product experiences.
- Manage relationships and integrations with payment service providers, identity providers, and relevant technology partners.
- Monitor market developments, fraud signals, payment capabilities, SCA/PCI/AML trends, and competitor strategies, translating relevant insights into experiments and roadmap initiatives.
- Communicate product strategy, priorities, trade-offs, and outcomes clearly across distributed global teams.
Requirements:
- 6+ years of experience working in fraud and risk, with hands-on ownership of fraud prevention for transactional, marketplace, payments, eCommerce, or other high-volume products.
- Strong understanding of fraud patterns and prevention techniques, including account takeover, synthetic and friendly fraud, triangulation, chargebacks, disputes, device and behavioral signals, rules engines, machine-learning models, and evidence workflows.
- Deep knowledge of authentication and authorization concepts, including MFA, SSO, OAuth2, enterprise identity integrations, and role-based access control.
- Strong product management experience, including roadmap ownership, problem framing, prioritization, experimentation, and end-to-end product delivery.
- Highly data-driven approach, with the ability to work confidently with funnels, KPIs, experimentation frameworks, ROI models, and trade-offs between conversion, fraud losses, and operational costs.
- Demonstrated ability to influence engineering, data, finance, operations, and other stakeholders across distributed international teams.
- Excellent written and verbal communication skills, with the ability to translate complex risk and technical concepts into clear product decisions.
- Highly organized, resourceful, pragmatic, and entrepreneurial, with a strong sense of ownership and the ability to operate effectively in a fast-moving environment.
- Experience with PCI compliance or KYC/KYB workflows is a valuable advantage.
- Strong commercial awareness and an understanding of how fraud, security, customer experience, and profitability interact.
Benefits:
- Competitive salary and an equity package, providing an opportunity to participate in the company's growth.
- Gym and wellness reimbursement to support physical health and wellbeing.
- Generous vacation policy that encourages employees to take meaningful time away from work.
- Duvet Days for additional flexibility when you need a low-key day to recharge.
- Dedicated Mental Health Days to support wellbeing and personal recovery.
- Four weeks of Work from Anywhere each year, providing additional flexibility to work from another location.
- Professional development support to help you build skills and progress toward your career goals.
- Fully remote working environment with the opportunity to collaborate with a globally distributed team.
- Exposure to international product, payments, fraud, risk, and eCommerce challenges across multiple markets.
How Jobgether works:
We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.
We appreciate your interest and wish you the best!
Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.
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