Senior Product Manager, AI Risk & Onboarding is an employment opportunity based in San Francisco, United States, that suits a product professional with a background in risk systems and merchant onboarding. This position involves shaping initial merchant interactions by building an intelligent onboarding and risk platform.
Role Overview
The Senior Product Manager, AI Risk & Onboarding position at Airwallex involves owning the strategy for creating a fast and trusted onboarding experience. Located in San Francisco, the role focuses on balancing risk, cost, and payment conversion while preventing fraud through artificial intelligence.
Key Responsibilities
Own the product strategy and roadmap for merchant onboarding, risk decisioning, and related merchant experiences.
Map and optimise the end-to-end journey from discovery and sign-up through verification, activation, and product adoption.
Build AI-powered capabilities that can interpret merchant business context, surface relevant signals, and detect emerging risk patterns earlier.
Partner with Engineering, Data Science, and Risk teams to develop AI agents that identify compromised accounts and suspicious behaviour.
Turn AI-generated insights into real-time actions through fraud and risk models, including intelligent step-ups, reviews, restrictions, or approvals.
Design risk experiences that protect the company and its customers while minimising unnecessary friction for legitimate merchants.
Develop intelligent payment-method recommendations that balance fraud risk, processing cost, payment conversion rate, and merchant experience.
Use data, analytics, and customer research to identify onboarding pain points, define success metrics, and prioritise opportunities.
Design and run experiments, including A/B tests, to improve onboarding UX, verification outcomes, activation, and conversion.
Establish feedback loops between product performance, model outcomes, operational review, and merchant experience.
Communicate product strategy, trade-offs, and results to technical and non-technical stakeholders, including senior leadership.
Requirements
5+ years of product management experience, with a track record of taking products from ideation through delivery and continuous optimisation.
Experience owning product strategy, roadmap planning, product discovery, and execution for customer-facing or platform products.
Strong understanding of experimentation, analytics, user journeys, and outcome-based product development.
Experience working closely with Engineering, Data Science, Design, Risk, Compliance, or Operations teams.
Demonstrated ability to translate complex technical, data, or risk concepts into simple product experiences and clear decisions.
Exceptional communication and stakeholder-management skills to influence technical and non-technical audiences.
Bachelor's degree or equivalent professional experience.
Nice to Have
Experience in onboarding, fraud prevention, KYC/KYB, transaction monitoring, account security, payments, or financial crime risk.
Experience building or scaling AI/ML-powered products, decisioning systems, recommendation engines, or agentic workflows.
Understanding of how to use AI to discover merchant context, detect behavioural anomalies, and support real-time risk decisions.
Experience balancing risk, operational cost, payment conversion, and customer experience in a financial product.
Familiarity with payment-method optimisation, routing, authorisation, or payment performance metrics.
Experience in a high-growth technology company or global product environment.
Technical fluency or experience partnering with software engineers, machine-learning engineers, or data scientists.
Experience working with products serving merchants across multiple markets and regulatory environments.
Skills and Tools
Artificial Intelligence and Machine Learning systems
A/B testing and experimentation platforms
Analytics and data tools
KYC/KYB and fraud prevention frameworks
Salary and Benefits
Salary range of $160K to $230K
Offers equity
Offers bonus
About the Company
Airwallex operates as an AI-native financial operating system for a real-time, intelligent economy. Founded in Melbourne in 2015, the company maintains a financial infrastructure spanning North America, Europe, the Middle East, and Asia-Pacific with co-headquarters in San Francisco and Singapore.
How to Apply
Candidates should apply on the official company careers page.
