Senior Product Manager, Risk Operations

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Wave HQ

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2010

💸 Finance

💳 Fintech

☁️ SaaS

Finance • Fintech • SaaS

Wave HQ is a financial services company that provides a suite of money management tools designed to help small business owners. The platform offers features such as invoicing, online payments, accounting, and payroll, all in one integrated system. Wave HQ aims to simplify the financial management process for small business owners, enabling them to manage invoices, track income and expenses, and process payroll efficiently. The company is targeted towards freelancers, contractors, consultants, and self-employed entrepreneurs, providing them with a user-friendly dashboard and access to bookkeeping, accounting, and payroll coaching.

📋 Description

• Define the long-term vision for Wave’s Risk & Payment Operations Platform • Establish a unified strategy for operational workflows, decisioning, case management, and controls • Identify opportunities to reduce manual effort through automation and scalable platform capabilities • Balance operational efficiency, regulatory requirements, risk management, and customer experience • Build the systems that enable teams to investigate, review, approve, monitor, and manage customer activity • Define and improve operational workflows across risk reviews, compliance processes, fraud investigations, holds, reserves, disputes, and escalations • Create intuitive tooling that helps internal teams make consistent and effective decisions • Partner with stakeholders to eliminate operational bottlenecks and improve team productivity • Define platform capabilities for rules management, decision orchestration, case management, audit trails, and workflow automation • Partner with Engineering and Data teams to establish scalable foundations for operational decision-making • Create reusable platform services that can support multiple operational use cases across the business • Ensure systems are observable, measurable, and continuously improving • Advocate for customer experience within operational and risk-related workflows • Ensure operational processes are transparent, predictable, and minimize friction for legitimate customers • Partner with Support and Customer Success teams to improve communication and resolution experiences • Measure the impact of operational decisions on customer trust and satisfaction • Serve as the product leader for internal operations platforms across Payments • Align stakeholders across Product, Engineering, Risk, Compliance, Finance, Support, and Data • Drive prioritization and strategic decision-making in a highly cross-functional environment • Communicate platform strategy, progress, and outcomes to senior leadership

🎯 Requirements

• 6+ years of Product Management experience, with a proven track record in high-growth fintech environments or driving product strategy through critical scaling phases. • Deep expertise in payments, financial operations, and navigating SMB-specific risk challenges in payments or payroll. • Experience applying machine learning or AI-based approaches to fraud detection, mitigation, and automated decisioning. • Demonstrated success building complex systems from the ground up within SaaS, payments, or highly operational environments. • Excellent communication and stakeholder management skills, with a history of aligning engineering, product, and diverse operational teams. • Experience designing and launching platform infrastructure, case management systems, workflow engines, and operational tooling. • Strong systems thinking with the ability to design end-to-end workflows, leverage decision engines/rules systems, and implement process automation. • Thorough understanding of compliance-driven requirements and relevant industry standards (e.g., AML, PCI-DSS, NACHA).

🏖️ Benefits

• Bonus Structure • Employer-paid Benefits Plan • Health & Wellness Flex Account • Professional Development Account • Wellness Days • Holiday Shutdown • Wave Days (extra vacation days in the summer) • Get A-Wave Program (work from anywhere in the world up to 90 days)