Senior Product Manager – Trust and Safety

PayJoy

Senior Product Manager for Trust & Safety at PayJoy, focusing on fraud prevention and risk management. Leading product lifecycle and strategies to ensure customer protection and inclusion.

Posted 7/22/2026full-timeSan Francisco • California • 🇺🇸 United StatesSenior💰 $250,000 - $270,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in defining and executing Trust & Safety strategies, focusing on fraud detection and prevention while balancing customer conversion. Proficient in leveraging data analytics, machine learning, and cross-functional collaboration to drive impactful product outcomes in a fintech environment.

Highest-signal resume keywords

Fraud Prevention Product ManagementMachine Learning Model PerformanceSQL Data AnalysisCross-Functional Team LeadershipTrust & Safety Metrics Definition

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Fraud Detection SystemsRisk ManagementData PipelinesReal-Time DecisioningAPI DesignDashboard BuildingAI Applications in FraudIdentity VerificationStep-Up AuthenticationAdaptive Rule Tuning

Soft Skills

Exceptional PrioritizationEffective Communication

Industry Keywords

FintechTrust & SafetyFraud Loss ReductionCustomer ConversionRegulated PlatformHigh-Scale OperationsGlobal EnvironmentEmerging Fraud PatternsAgentic AutomationFriction Minimization

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Define and drive a multi-market Trust & Safety strategy that balances fraud loss reduction with customer conversion—owning the full roadmap from detection accuracy improvements to false-positive reduction and friction minimization.
Lead the end-to-end product lifecycle—from problem discovery through launch and iteration—for fraud detection and prevention systems across all PayJoy markets.
Partner with Data Science and Engineering to ship ML-powered decisioning, AI-driven investigation agents, rule engines, real-time monitoring, and alerting tools that adapt to evolving fraud vectors.
Design frictionless fraud mitigation experiences (identity verification, step-up authentication, device intelligence) that protect users without punishing them.
Identify and prioritize emerging fraud patterns across markets—identity fraud, device manipulation, synthetic identities, AI-generated deepfakes, and agentic attacks—before they scale.
Explore and champion the use of AI and agentic automation to scale fraud operations—automated case triage, adaptive rule tuning, intelligent alert routing—so PayJoy can operate lean fraud ops teams across dozens of markets.
Define and own key Trust & Safety metrics (loss rates, false positive rates, detection latency, customer impact scores) and build dashboards that make fraud posture visible company-wide.
Run experimentation frameworks to measure the real-world tradeoff between fraud prevention tightening and customer conversion impact.
Be the connective tissue between Engineering, Data Science, Fraud Ops, Legal, Compliance, and country GMs—ensuring alignment on fraud tolerance, policy, and customer experience. Communicate risks and roadmap tradeoffs to senior leadership.

Requirements

What you’ll need

6+ years of product management experience, with at least 2–3 years focused on fraud, risk, trust & safety, or payments within fintech or a regulated, high-scale platform.
Proven track record of shipping fraud prevention or risk management products that measurably reduced losses without killing conversion.
Strong technical fluency—you can hold your own in conversations about ML model performance, AI/LLM applications in fraud, API design, data pipelines, and real-time decisioning systems.
Hands-on data skills: you write SQL, build dashboards, and use data to drive every major decision.
Experience driving cross-functional execution with engineering, data science, operations, and compliance teams in a fast-paced, global environment.
Exceptional prioritization instincts—you know how to sequence work across multiple markets and competing urgencies.

Benefits

Comp & perks

Company-funded medical, dental, and vision insurance for employee and immediate family
Company-funded employee life and disability insurance
401k contribution
Company holidays, 20 days vacation, flexible sick leave
Annual Fitness Perk ($500); Professional Development Perk ($2,000), and Co-working Travel Perk ($2,000)
Commuter benefit
Headphone benefit