Product Manager – KYC / Compliance / Risk

Responsibilities

• KYC & Customer Onboarding
• Own and improve KYC/KYB onboarding and verification flows, including data collection, document verification, OCR, liveness checks, automated decisions, manual review, and result handling.
• Design and optimize CDD/EDD, risk tiering, verification rules, retry flows, exception handling, and operational review processes.
• Analyze KYC funnel performance, approval rates, rejection reasons, review time, automation rates, and vendor performance to identify opportunities for improvement.
• Balance customer conversion, verification accuracy, fraud exposure, regulatory requirements, and operational cost.
• Compliance & AML Products
• Work with Compliance and Risk teams to translate AML/CFT, sanctions, transaction monitoring, and regulatory requirements into clear product requirements and system rules.
• Support the development and optimization of compliance capabilities such as: AML / sanctions screening, transaction monitoring, risk scoring and rule engines, case management and investigation workflows, STR/SAR reporting and regulatory reporting, and audit trails and internal compliance tools.
• Design decision logic, exception handling, manual review workflows, and escalation mechanisms for different risk scenarios.
• Risk & Fraud Control
• Support product solutions for fraud and financial-crime risks such as account takeover, scams, mule accounts, identity fraud, and suspicious transaction behavior.
• Work with Data and Risk teams to improve risk rules, alerting, monitoring, and automated decision strategies.
• Use data to evaluate rule effectiveness, false-positive / false-rejection rates, operational workload, and overall risk impact.
• Product Delivery & Integration
• Independently conduct requirement analysis, product design, process mapping, and solution design.
• Write clear PRDs, business rules, user flows, API requirements, acceptance criteria, and edge-case handling.
• Work closely with Engineering and QA throughout development, testing, UAT, launch, and post-launch monitoring.
• Integrate and manage external compliance and identity-verification vendors, including KYC providers, sanctions screening services, and blockchain analytics providers.
• Evaluate vendor solutions based on accuracy, coverage, stability, compliance suitability, user experience, and cost.

Requirements

• 3+ years of Product Management experience, preferably in fintech, payments, digital banking, crypto, financial services, or other regulated industries.
• Hands-on experience with at least one of the following areas: KYC / KYB / identity verification, AML / sanctions screening, transaction monitoring, fraud / risk-control systems, or compliance / case-management platforms.
• Good understanding of KYC and AML concepts, including CDD/EDD, risk-based approaches, screening, manual review, and transaction monitoring.
• Ability to translate ambiguous compliance or operational requirements into structured product flows, system rules, and executable requirements.
• Strong analytical mindset and ability to use funnel, approval, rejection, accuracy, and operational data to diagnose product problems.
• Able to independently drive projects and work effectively with Compliance, Risk, Operations, Engineering, QA, and Data teams.
• Strong attention to detail, especially around system states, decision rules, exception cases, and auditability.
• Strong ownership, communication, execution, and problem-solving skills.

Nice to Have

• Experience in crypto, digital assets, exchanges, cross-border payments, e-wallets, or remittance products.
• Familiarity with regulatory environments such as BSP / AMLC or other financial regulators.
• Experience with KYC vendors such as Sumsub, Jumio, Onfido, Persona, or similar providers.
• Experience with blockchain analytics or transaction-monitoring tools such as Elliptic, Chainalysis, TRM Labs, or similar platforms.
• Knowledge of fraud typologies such as scams, mule accounts, phishing, account takeover, and identity fraud.
• Experience building internal compliance tools, rules engines, workflow systems, or case-management platforms.
• Background in compliance, risk, operations, data analytics, or financial institutions is a plus.