Senior Product Manager (Risk/Compliance) - Remote

Senior Product Manager (Risk/Compliance) - Remote At PayNearMe, we're on a mission to make paying and getting paid as simple as possible. We build innovative technology that transforms the way businesses and their customers experience payments. Our industry-leading platform, PayXM, is the first of its kinddesigned to manage the entire payment experience from start to finish. Every click, swipe or tap is seamless, fast and secure, helping non-commerce businesses boost customer satisfaction, accelerate payments, and reduce costs. Our single platform handles it all: cards, ACH, digital wallets such as PayPal, Venmo, Cash App Pay, Apple Pay and Google Pay, and even cash at more than 62,000 retail locations nationwide. Today, thousands of businesses across consumer lending, iGaming and online sports betting, property management, and tolling trust PayNearMe to deliver a payment experience that drives real results. In September 2025, we raised a $50 million Series E funding round to accelerate our growth. We're a team of 200+ employees across 41 states, headquartered in Silicon Valley with satellite offices in Dallas, TX and Holmdel, NJ. Join us and be part of a team that's shaping the future of paymentsone experience at a time. Job Description As a Senior Product Manager at PayNearMe, you will lead the evolution of our fraud, risk, and compliance platforms, with a strong focus on data-driven decisioning, and modern adaptive controls. This role is critical to enabling secure, compliant money movement across PayNearMe's network of consumers, billers, and partners. In this role, you will drive product strategy and execution, evolving our capability to prevent fraud, manage financial and operational risk, and support regulatory compliance at scale while ensuring PayNearMe continues to deliver trusted, accessible payment experiences. Leveraging deep analysis of user behavior, industry trends, and market signals, you will guide our roadmap and delivery across internal solutions and partner integrations, using clear success metrics, while ensuring the platform remains compliant, and responds dynamically to emerging fraud and regulatory risk. This is a high-impact, cross-functional role, partnering closely with Risk, Compliance, Product, Engineering, Client Success, and Executive Leadership to identify opportunities, prioritize investments, and shape the future of our platform. Responsibilities Own the product vision, strategy, and roadmap for fraud prevention, risk management, and compliance Synthesize client usage, market research, competitive analysis, and client feedback into actionable insights that inform strategy and investment themes Communicate product vision and priorities, across teams and stakeholders. Translate regulatory, risk, and operational requirements into clear product requirements, user stories, and success metrics Collaborate with Compliance, Legal, and Risk teams to ensure products meet banking and regulatory obligations and business requirements Use quantitative and qualitative data to identify emerging fraud trends, evaluate risk exposure, and prioritize product investments Balance risk mitigation with customer experience, minimizing friction while maintaining strong protections Serve as a subject-matter expert and advocate for fraud, risk, and compliance considerations across the product organization Deliver scalable, automated, and data-driven solutions to mitigate fraud and financial risk across ACH, cards, cash payments, real-time payments, and partner integrations Act as a thought partner and subject-matter expert on fraud, risk, and compliance across the Product organization Qualifications Required: 6+ years of product management experience, including strategic or platform-level work. Strong understanding of regulatory dynamics in fintech, payments, and lending. Deep experience in electronic payments. Knowledge of banking, lending, gaming, or billpay. Proven ability to make strategic tradeoffs, and establish clear priorities. Curiosity, adaptability, and a passion for solving complex, cross-functional problems. Strong analytical skills, asking the right questions to derive key answers. Using metrics to drive and measure success. Ownership, empathy, and resilience. Experience interpreting market data and client insights. Communication & Leadership Confident storyteller who translates analysis into clear, actionable decisions. Able to align stakeholders and influence cross-functional teams. Excellent communication and collaboration skills, at all levels. Nice to Have: Comfortable with technical integrations and platform strategies. AI-savvy with hands-on expertise building or using models and agents. Additional Information Why Join Us? Competitive salary and benefits with growth-company options grant Fast-paced and professional work culture Stock options with standard startup vesting - 1 year cliff; 4 years total $50 monthly communication expense stipend to go towards your phone/internet bill $250 stipend to enhance your WFH setup Reimbursement for peripheral equipment: monitor (up to $400), keyboard and mouse (up to $200) Premium medical benefits including vision and dental (100% coverage for employees) Company-sponsored life and disability insurance Paid parental bonding leave Paid sick leave, jury duty, bereavement 401k plan Flexible Time Off (our team members typically take off ~3-4 weeks per year) Volunteer Time Off 13 scheduled holidays Salary Range: $150,000 - $185,000 PayNearMe strives to create a workplace where all employees thrive. Our core values represent who we are today and we take pride in the way we work with each other as well as with our stakeholders. We're in this together to do the right thing. We deliver real results we are proud of while remaining respectful, transparent, and flexible. PayNearMe is an equal opportunity employer. We are diligently and thoughtfully working towards cultivating a diverse workforce which in turn, enhances our products and services for the communities we serve. Applicants who represent all backgrounds are strongly encouraged to apply.

Created: 2026-03-05