Senior Product Manager, AI Risk & Onboarding

About AirwallexAirwallex is the AI-native financial operating system for a real-time, intelligent economy. More than 676,000 businesses, including McLaren Racing, Qantas, SHEIN, and TikTok, use us, directly or through our platform partners, to run their financial operations or build and monetize financial products of their own.We started in Melbourne in 2015 to build the infrastructure global commerce runs on. We're the regulated backbone behind global payments: not by accident, but by design. A decade plus, 85+ licenses, and a financial infrastructure spanning North America, Europe, the Middle East, and Asia-Pacific.We're co-headquartered in San Francisco and Singapore, with more than 2,300 people across 27 offices. We hire builders with founder-level energy, people who move fast with good judgment, dig in with real curiosity, and make calls from first principles rather than waiting to be told what to do. Read ouroperating principles to see it in full.About the teamThe Product team at Airwallex is a group of passionate builders and problem-solvers who are obsessed with crafting customer-centric solutions that empower businesses to operate anywhere, anytime. We combine technical expertise with a deep understanding of our customers’ needs to design and build unified, intuitive and scalable products.As a team, we thrive in a collaborative and fast-paced environment. We constantly iterate, challenge conventional thinking and push boundaries to deliver exceptional product experiences for businesses around the world.About the roleAs the Senior Product Manager, AI Risk & Merchant Onboarding, you will shape the first and most important interactions that businesses have with Airwallex. You will own the strategy for creating a fast, intelligent and trusted onboarding experience—one that helps legitimate merchants get started quickly while identifying and responding to fraud and other risks proactively.You’ll help build an AI-native risk system that can understand a merchant’s business, open new sources of insight and make smarter decisions in real time. Your work will sit at the intersection of onboarding, fraud prevention, payments, artificial intelligence and merchant experience.You will also help optimise payment-method recommendations by balancing risk, cost, payment conversion and the overall experience for merchants and their customers.What you’ll doOwn the product strategy and roadmap for merchant onboarding, risk decisioning and related merchant experiences.Map and optimise the end-to-end journey from discovery and sign-up through verification, activation and product adoption.Build AI-powered capabilities that can interpret merchant business context, surface relevant signals and detect emerging risk patterns earlier.Partner with Engineering, Data Science and Risk teams to develop AI agents that identify compromised accounts, illegal or prohibited selling activity and other suspicious behaviour.Turn AI-generated insights into real-time actions through fraud and risk models, including intelligent step-ups, reviews, restrictions or approvals where appropriate.Design risk experiences that proactively protect Airwallex and its customers while minimising unnecessary friction for legitimate merchants.Develop intelligent payment-method recommendations that balance fraud risk, processing cost, payment conversion rate and merchant experience.Use data, analytics and customer research to identify onboarding and payment pain points, define success metrics and prioritise opportunities.Design and run experiments, including A/B tests, to improve onboarding UX, verification outcomes, activation and conversion.Establish clear feedback loops between product performance, model outcomes, operational review and merchant experience.Communicate product strategy, trade-offs and results clearly to technical and non-technical stakeholders, including senior leadership.What success looks likeMore legitimate merchants complete onboarding quickly and confidently.Risk signals are identified earlier, with faster and more accurate real-time responses.Fraud and abuse are reduced without introducing unnecessary friction or avoidable false positives.Payment-method recommendations improve the balance between risk, cost, conversion and merchant experience.Product decisions are increasingly informed by high-quality data, experimentation and AI-powered insight.Who you areWe’re looking for a product leader who is excited by the opportunity to use AI to solve complex problems in risk and payments. You combine strong product judgement with analytical depth, customer empathy and the ability to lead cross-functional teams through ambiguity.Minimum qualifications5+ years of product management experience, with a track record of taking products from ideation through delivery and continuous optimisation.Experience owning product strategy, roadmap planning, product discovery and execution for customer-facing or platform products.Strong understanding of experimentation, analytics, user journeys and outcome-based product development.Experience working closely with Engineering, Data Science, Design, Risk, Compliance or Operations teams.Demonstrated ability to translate complex technical, data or risk concepts into simple product experiences and clear decisions.Exceptional communication and stakeholder-management skills, with the ability to influence technical and non-technical audiences.Bachelor’s degree or equivalent professional experience.Preferred qualificationsExperience in onboarding, fraud prevention, KYC/KYB, transaction monitoring, account security, payments or financial crime risk.Experience building or scaling AI/ML-powered products, decisioning systems, recommendation engines or agentic workflows.Understanding of how to use AI to discover merchant context, detect behavioural anomalies and support real-time risk decisions.Experience balancing risk, operational cost, payment conversion and customer experience in a financial product.Familiarity with payment-method optimisation, routing, authorisation or payment performance metrics.Experience in a high-growth technology company or global product environment.Technical fluency or experience partnering with software engineers, machine-learning engineers or data scientists.Experience working with products serving merchants across multiple markets and regulatory environments.Why join us?This is an opportunity to define how AI can make financial products safer, faster and more intuitive. You’ll work on high-impact problems where better product decisions can directly improve merchant growth while protecting the Airwallex ecosystem from fraud and abuse.Applicant Safety Policy: Fraud and Third-Party RecruitersTo protect you from recruitment scams, please be aware that Airwallex will not ask for bank details, sensitive ID numbers (i.e. passport), or any form of payment during the application or interview process. All official communication will come from an @airwallex.com email address. Please apply only through careers.airwallex.com or our official LinkedIn page.Airwallex does not accept unsolicited resumes from search firms/recruiters. Airwallex will not pay any fees to search firms/recruiters if a candidate is submitted by a search firm/recruiter unless an agreement has been entered into with respect to specific open position(s). Search firms/recruiters submitting resumes to Airwallex on an unsolicited basis shall be deemed to accept this condition, regardless of any other provision to the contrary.Equal opportunityAirwallex is proud to be an equal opportunity employer. We value diversity and anyone seeking employment at Airwallex is considered based on merit, qualifications, competence and talent. We don’t regard color, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status when making our hiring decisions. If you have a disability or special need that requires accommodation, please let us know.Compensation Range: $160K - $230KLocationUS - San FranciscoEmployment TypeFull timeLocation TypeHybridDepartmentProductRisk PlatformCompensation$160K – $230K • Offers Equity • Offers BonusAirwallex promotes fair compensation practices in accordance with applicable national, federal, state, and local law.These expected base pay ranges are based on information at the time this post was generated and represent the company’s good faith minimum and maximum ranges for this role at the time of posting.The actual compensation offered to a candidate will be dependent upon multiple factors, including but not limited to relevant experience, skills and other qualifications, geographic location as noted, internal equity, and other external market factors.Certain roles may be eligible for other compensation including, but not limited to, annual bonuses, commissions, RSUs, or other forms of compensation in addition to the established salary range.Benefits vary by country and employment type in accordance with local statutory requirements. All employees receive at least the statutory minimum for paid annual leave and public holidays, with many of our locations offering additional company-provided vacation days.For example, for US-based employees, they are eligible to participate in medical, dental, and vision insurance, a 401(k) plan, short-term and long-term disability, basic life insurance, and well-being benefits. US-based employees also receive 20 paid days of vacation and 12 paid days of company holidays in a calendar year.Further details about our compensation and benefits package are available upon request by contacting our Talent Acquisition team.