Senior Product Manager, Ongoing Monitoring

Overview

In this role you will own the roadmap for Tide’s acquiring risk monitoring capabilities, collaborating with Engineering, Data Science, Fraud Operations, Risk and Acquiring Product teams to scale real-time monitoring solutions. You will define strategy, build scalable capabilities for card-present and card-not-present journeys, and drive measurable reductions in fraud and chargebacks. The role combines data-driven product development with risk oversight to protect merchants while preserving a smooth member experience. You’ll work across senior stakeholders to deliver impact that supports Tide’s growing merchant acquiring business.

Pay / Benefits

• Flexible working options
• Group Life Insurance
• Vitality Health Insurance
• 25 days holiday (+ buy extra)
• L&D budget
• Cycle to Work scheme and pension contributions

Responsibilities

• Own the product strategy, vision and roadmap for acquiring fraud and risk monitoring within Ongoing Monitoring
• Build scalable monitoring capabilities across card-present and card-not-present acquiring journeys
• Collaborate with Engineering and Data Science to deliver real-time rules, risk signals, ML models and decisioning workflows
• Hold end-to-end ownership of the product development lifecycle for acquiring fraud and risk monitoring
• Prioritize work by risk reduction, commercial impact, feasibility and user experience
• Create clear product narratives for senior stakeholders across Product, Risk, Operations, Finance and Commercial teams
• Use data to identify fraud patterns, loss drivers and control gaps; develop capabilities to reduce losses
• Establish and monitor metrics such as fraud loss rate, chargeback rate and operational efficiency
• Run experiments to improve fraud prevention with minimal friction for genuine members
• Quantify the commercial impact of fraud controls with Finance, Risk and Operations
• Build capabilities to improve chargeback prevention, monitoring and recovery outcomes
• Improve case management workflows and operational efficiency
• Increase automation and leverage AI to enhance risk decisioning
• Identify opportunities to use Agentic AI and automation for risk operations

Key requirements

• 4+ years of product management experience in acquiring risk, merchant risk, payment fraud, or related areas
• Experience in acquiring banks, PSPs, fintechs or large merchants with acquiring risk functions
• Proven track record of reducing acquiring fraud, chargebacks or merchant risk exposure
• Understanding of card-present vs card-not-present risk patterns across online and in-person payments
• Experience with real-time rules engines, fraud monitoring systems, ML models and risk workflows
• Strong data fluency to identify loss drivers and measure control effectiveness
• Ability to work with Engineering, Data Science, Risk, Operations, Finance and Commercial teams
• Clear communication with senior stakeholders and ability to translate risk topics into commercial decisions
• Passion for solving member and agent pain points and applying product design thinking
• Bonus: experience with Visa/Mastercard monitoring programmes; chargeback prevention/recovery workflows; AI capabilities; multi-market exposure; SME banking/payments experience

• pragmatic
• organized
• clear communicator
• real-time rules engines
• fraud monitoring systems
• machine learning models

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