Senior Product Manager, Ongoing Monitoring

ABOUT THE TEAM:

Ongoing Monitoring is building the capabilities Tide needs to detect, prevent and manage financial crime, fraud and risk across the member lifecycle.

Within Ongoing Monitoring, we are creating a new Acquiring Fraud & Risk team as part of the Ongoing Monitoring team. This team will focus on protecting Tide’s growing Merchant Acquiring business by reducing acquiring fraud, chargeback losses and operational risk across card-present and card-not-present payment journeys.

Merchant Acquiring is a fast-growing product within Tide. We are on a mission to provide the simplest and easiest ways for our members to get paid. As we scale Acquiring globally, we need strong monitoring capabilities that protect Tide from avoidable losses while keeping the experience smooth for genuine members.

ABOUT THE ROLE:

As Senior Product Manager for Ongoing Monitoring Acquiring Fraud & Risk, you will own the roadmap for Tide’s acquiring transaction risk monitoring capabilities.

Working closely with Engineering, Data Science, Fraud Operations, Risk and Acquiring Product teams, you will build and scale real-time monitoring solutions using rules engines, machine learning models and Agentic AI to reduce fraud losses, improve chargeback outcomes and manage Tide’s acquiring risk exposure across card-present and card-not-present payment journeys.

Product Management and Product Development

You will be responsible for:

• Owning and independently defining the product strategy, vision and roadmap for acquiring fraud and risk monitoring within Ongoing Monitoring
• Building scalable monitoring capabilities across card-present and card-not-present acquiring journeys
• Working with Engineering and Data Science teams to define and deliver real-time rules, risk signals, machine learning models and decisioning workflows
• Having end-to-end ownership of the acquiring fraud and risk monitoring product development lifecycle
• Prioritising product work based on risk reduction, commercial impact, operational effort, member experience and technical feasibility
• Creating clear product narratives for senior stakeholders across Product, Risk, Operations, Finance and Commercial teams

Data-Driven Product Development & Acquiring Fraud Reduction

You will be responsible for:

• Using data to identify acquiring fraud patterns, merchant behaviour, loss drivers and control gaps
• Developing product capabilities that actively reduce acquiring fraud losses and help keep Tide within relevant card scheme thresholds
• Establishing and monitoring performance metrics such as fraud loss rate, chargeback rate, scheme exposure, false positive rate and operational efficiency
• Running experiments and targeted control changes to improve fraud prevention while