Principal Product Manager

Who you are

• 10+ years of product management experience building risk, compliance, or trust & safety platforms in fintech, crypto, or financial services
• Deep expertise in fraud typologies in consumer/SMB segments, signals & strategies to mitigate them and hands-on experience crafting risk rules
• Deep expertise in AML, sanctions screening, and onboarding compliance (e.g., KYC/KYB),
• Track record of translating regulatory requirements into scalable, policy-driven platform capabilities that support both real-time and asynchronous risk decisioning across crypto and fiat rails
• Experience leading modular platform design, including refactoring monolithic services into scalable, service-oriented architectures
• Skilled in collaborating with engineering, data science, and operations teams to ship complex infrastructure products; able to influence senior stakeholders and drive alignment across functions
• Highly analytical and data-driven, with experience applying ML, risk signals, and scoring models to improve detection, decisioning, and operational efficiency
• Strong technical fluency, including working knowledge of APIs & SDKs, event-driven architectures like SNS/SQS or equivalent, SQL, GitHub or equivalent
• Background in RegTech, banking, or scaled fintech, with direct exposure to complex regulatory environments
• Expertise in blockchain technologies and crypto compliance, including chain types, on-chain travel rule requirements, blockchain monitoring, and evolving crypto regulations
• Experience with rapid prototyping using AI tools to accelerate product exploration, workflow automation, or internal tooling development

What the job involves

• As a Principal Product Manager at Circle, you will own the strategy and execution of our risk platform, ensuring it scales to support new products, markets, and global regulatory requirements
• You will act as a cross-functional leader, partnering with compliance, legal, engineering, data science, and business stakeholders to align priorities and deliver resilient infrastructure that supports both crypto and traditional financial rails
• By combining product vision, technical fluency, and deep compliance expertise, you will enable Circle to manage risk with precision, meet evolving regulatory expectations, and uphold the highest standards of trust and safety
• Define the strategy and roadmap for a risk and fraud platform that supports real-time and asynchronous risk decisions across products and markets that supports crypto- and traditional financial rails, as well as risk-related use cases across onboarding, account linking, and other customer lifecycle events — with a focus on building a user-friendly rules engine and intuitive tooling for risk operators
• Build fraud prediction and detection systems from the ground up by defining risk vectors affecting Circle’s product roadmap and executing mitigating controls to address them by integrating party vendor models, and creating iterative feedback loops that learn from past fraudulent behavior
• Define and implement observability strategies to ensure risk platform integrity, including monitoring performance, validating critical flows, and surfacing key risk indicators to inform prioritization and executive decision-making
• Leverage AI/ML to automate risk decisioning and operational processes; lead feature/context engineering, model development, evaluation/monitoring frameworks
• Maintain clear, comprehensive documentation of platform design, functionality, and dependencies to ensure internal transparency and audit readiness
• Translate regulatory requirements and business needs into clear product requirements, insights, and user stories for engineering execution
• Represent the risk platform in senior leadership and regulatory forums, aligning cross-functional strategy and demonstrating how Circle’s infrastructure meets evolving compliance obligations at scale

Benefits

• Remote-First and Flexible Work - Do your best work from home! Our remote jobs empower you to work around your life schedule. Want to switch up your work spot? We provide access to WeWork locations globally. Need time away? We offer flexible paid time off beyond paid holidays— so you can thrive at work and at rest.
• Health & Well-Being - No matter where you live, we offer a market competitive suite of benefits to help keep you and your loved ones healthy. We also keep your emotional well-being top of mind, offering an Employee Wellness Program for all employees and immediate family members globally. We also have various leave options, including 12 weeks of paid parental leave.
• Financial Planning - Circle is invested in your future! All part-time and full-time U.S. employees enjoy 401(k) benefits, including up to 4% company matching, and can become owners in Circle through our equity program. Pension plans are also offered in select countries. FSA and HSA accounts are available for U.S. employees, with Circle contributing annually to employee HSA accounts.
• Stipends & Reimbursements - To support our employees and their unique lifestyles, Circle offers a set of stipends and reimbursements (offerings vary by location and enrollment). These include home office, mobile phone, fitness and weight loss, and more!
• Learning & Development - Circle is committed to cultivating experiences internally and externally that promote constant learning in support of Crypto Literacy, as well as operational and interpersonal development that drives growth aligned with career aspirations for employees at all levels of the organization.
• In-Person Connections - Outside of our remote work, we know how important collaborating in-person is. We invest in bringing Circlers together through an annual company-wide conference, local meet ups as well as team and leadership offsites to lock in relationships beyond the screen.