Lead Product Manager - Risk Platform

At Early Warning, we've powered and protected the U.S. financial system for over thirty years with cutting-edge solutions like Zelle, Paze, and so much more. As a trusted name in payments, we partner with thousands of institutions to increase access to financial services and protect transactions for hundreds of millions of consumers and small businesses.

Positions located in Scottsdale, San Francisco, Chicago, or New York follow a hybrid work model to allow for a more collaborative working environment.

Candidates responding to this posting must independently possess the eligibility to work in the United States, for any employer, at the date of hire. This position is ineligible for employment Visa sponsorship.

The Lead Product Manager is the product champion responsible for defining, evaluating, and delivering platform capabilities and features that drive measurable business, customer, and risk outcomes. This role owns product vision and strategy for the Zelle Risk Platform, including real-time decisioning capabilities, risk data products, risk engine capabilities, and the services ecosystem that supports fraud and scam risk assessment across the Zelle network.

The Lead Product Manager partners closely with product leaders, engineering, fraud risk management, and growth teams to create a cohesive, scalable, and secure risk platform. This role aligns and motivates cross-functional teams to understand platform user needs, translate technical and risk requirements into roadmaps, and deliver reusable capabilities that support current and emerging Zelle use cases.

Essential Functions

• Defines and articulates a clear product vision and roadmap for the Zelle Risk Platform, aligned to enterprise objectives, risk strategy, and customer needs.
• Collaborates with Product Management peers across business lines to create a unified vision for customer-facing solutions, ensuring consistency across product lines.
• Leads multiple features or products, balancing short-term delivery with long-term strategic value.
• Serves as the voice of the customer throughout the product lifecycle, actively listening across multiple channels and touchpoints.
• Transforms customer and market insights into actionable product enhancements that improve user experience and drive adoption.
• Uses qualitative and quantitative data to validate problem statements, prioritize opportunities, and measure outcomes.
• Works closely with product, fraud risk management, analytics, engineering, vendor, and technology partners to solve complex real-time risk platform challenges.
• Leverages industry trends, competitive insights, and technical knowledge to deliver differentiated, value-added solutions.
• Drives product-line innovations that improve customer outcomes and business performance.
• Clearly defines product requirements, grooms user stories, and partners closely with engineering teams to ensure high-quality delivery.
• Operates effectively in a highly collaborative environment, influencing without authority to align teams toward shared goals.
• Ensures product delivery meets scope, quality, timeline, and customer expectations.
• Demonstrates strong technical understanding and the ability to work directly with technologists to deliver scalable, secure solutions.
• Oversees the integration of appropriate risk, security, and compliance controls into product design and delivery.
• Supports the company's commitment to protecting the integrity, confidentiality, and availability of systems and data.

Minimum Qualifications

• Education and/or experience typically obtained through completion of a bachelor's degree
• Typically 8 years of experience in Product Management or related roles, with ownership of platform capabilities, service/API-driven products, decisioning software, or internal-facing technical products.
• Proven experience leading complex product initiatives across cross-functional teams.
• Strong customer-centric mindset with demonstrated ability to translate insights into shipped product value.
• Demonstrated experience in design thinking and agile development process and methodology
• Solid technical fluency and comfort working closely with engineering teams.
• Experience operating in regulated environments or with strong risk and compliance considerations preferred.

The base pay scale for this position in:
Phoenix, AZ/ Chicago, IL in USD per year is: $131,000 - $160,000.
New York, NY/ San Francisco, CA in USD per year is: $157,000 - $192,000.
Additionally, candidates are eligible for a discretionary incentive plan and benefits.

This pay scale is subject to change and is not necessarily reflective of actual compensation that may be earned, nor a promise of any specific pay for any specific candidate, which is always dependent on legitimate factors considered at the time of job offer. Early Warning Services takes into consideration a variety of factors when determining a competitive salary offer, including, but not limited to, the job scope, market rates and geographic location of a position, candidate's education, experience, training, and specialized skills or certification(s) in relation to the job requirements and compared with internal equity (peers). The business actively supports and reviews wage equity to ensure that pay decisions are not based on gender, race, national origin, or any other protected classes.

Some of the Ways We Prioritize Your Health and Happiness

• Healthcare Coverage-Competitive medical (PPO/HDHP), dental, and vision plans as well as company contributions to your Health Savings Account (HSA) or pre-tax savings through flexible spending accounts (FSA) for commuting, health & dependent care expenses.

• 401(k) Retirement Plan-Featuring a 100% Company Safe Harbor Match on your first 6% deferral immediately upon eligibility.

• Paid Time Off -Flexible Time Off for Exempt (salaried) employees, as well as generous PTO for Non-Exempt (hourly) employees, plus 11 paid company holidays and a paid volunteer day.

• 12 weeks of Paid Parental Leave

• Maven Family Planning - provides support through your Parenting journey including egg freezing, fertility, adoption, surrogacy, pregnancy, postpartum, early pediatrics, and returning to work.

AndSOmuch more! We continue to enhance our program, so be sure tocheck our Benefits page herefor the latest. Ourteamcan share more during the interview process!

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

Early Warning Services, LLC ("Early Warning") considers for employment, hires, retains and promotes qualified candidates on the basis of ability, potential, and valid qualifications without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote equal employment opportunity and affirmative action, in accordance with all applicable federal, state, and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our employees.