Senior Product Manager, Ongoing Monitoring

About the role

As a Senior Product Manager for Ongoing Monitoring Acquiring Fraud & Risk, you will own the roadmap for Tide’s acquiring transaction risk monitoring capabilities. You will build and scale real-time monitoring solutions using rules engines, machine learning models and Agentic AI to reduce fraud losses and manage risk across payment journeys.

Responsibilities

• Own and independently define the product strategy, vision and roadmap for acquiring fraud and risk monitoring.
• Build scalable monitoring capabilities across card-present and card-not-present acquiring journeys.
• Work with Engineering and Data Science teams to deliver real-time rules, risk signals, machine learning models and decisioning workflows.
• Prioritise product work based on risk reduction, commercial impact, operational effort and technical feasibility.
• Use data to identify acquiring fraud patterns, merchant behaviour, loss drivers and control gaps.
• Build product capabilities that improve chargeback prevention, monitoring, handling and recovery outcomes.
• Identify opportunities to use Agentic AI and automation to improve acquiring fraud and risk operations.

Required skills

• Product Management
• Acquiring Risk
• Merchant Risk
• Payment Fraud
• Transaction Monitoring
• Chargeback Management
• Rules Engines
• Machine Learning
• Data Analysis
• Risk Operations

Nice to have

• Visa
• Mastercard
• Chargeback prevention
• Representment
• Agentic AI
• SME banking
• Fintech

Qualifications

• Experience in an acquiring bank, PSP, payments company, fintech, or a large merchant with an established acquiring risk function

Benefits

• Flexible working options
• Group Life Insurance
• Vitality Health Insurance
• 25 days holiday
• Learning and development budget
• Cycle to Work scheme
• Pension contribution
• Enhanced family-friendly leave
• Sabbatical leave

About the Company

Tide helps SMEs save time and money by offering business accounts, banking services and administrative solutions. They support over 2 million members globally and have over 2,800 employees.