Principal Product Manager – Risk and Compliance

This is a fully remote position, open to applicants in Texas.

📋 Description

• Take charge of the risk and compliance strategy, roadmap, and execution across various payment product lines, from inception to launch and scaling.

• Lead a cross-functional product team that includes engineering, design, marketing, operations, and analytics, without having direct people-management responsibilities.

• Create PRDs, user stories, and acceptance criteria that encompass business rules, edge cases, data requirements, and compliance controls.

• Leverage AI tools to enhance discovery, draft and refine product documentation, and expedite the transition from concept to execution while validating outcomes.

• Act as the day-to-day product owner by managing backlogs and making trade-off decisions that balance client value, technical feasibility, risk, and commercial impact.

• Oversee the comprehensive launch of payment risk capabilities, which includes discovery, business case development, requirements gathering, building, testing, rollout, training, and post-launch evaluation.

• Collaborate with Marketing and GTM teams to develop value propositions, positioning, messaging, and sales enablement strategies.

• Serve as a subject matter expert on RealPage Payments and the broader payments ecosystem, including card, ACH, offline, and alternative payment methods.

• Represent the voice of payments risk during executive briefings.

• Work alongside Operations, Legal, and Compliance to ensure products are resilient, scalable, compliant, and dependable.

• Identify gaps in products, processes, and experiences, and lead cross-functional initiatives to address these issues.

⛳️ Requirements

• Over 6 years of product management experience in payments, fintech, SaaS, or related technology sectors.

• Proven ownership of risk and compliance initiatives across various product lines.

• Demonstrated success in managing products from end to end, covering discovery, strategy, delivery, commercialization, and iterative optimization.

• Experience in leading cross-functional teams or pods that include engineering, design, marketing, and operations in an AI-focused environment, with strong influencing skills and no formal reporting lines.

• In-depth, practical risk and compliance knowledge within a payments or fintech context, covering areas such as fraud prevention, KYC/KYB, transaction monitoring, sanctions screening, disputes and chargebacks, or ACH and card compliance.

• Familiarity with consumer financial regulations and BSA/AML.

• Knowledge of NACHA, card network regulations, Regulation E, and PCI DSS is a plus.

• Strong understanding of card, ACH, cash/offline, and digital wallet payment processes and payment economics.

• Experience in property management, real estate technology, or proptech is advantageous.

• Proven ability to author PRDs, user stories, and acceptance criteria, including edge cases, non-functional requirements, and compliance controls.

• Experience collaborating with internal teams to shape roadmaps, co-create solutions, and support go-to-market strategies and adoption efforts.

• Familiarity with integrating third-party risk and compliance platforms for identity verification, fraud detection, and KYC/AML decision-making into current or legacy systems.

• Exceptional communication and storytelling abilities for engaging with technical, commercial, and executive stakeholders.

• A mindset of ownership with complete accountability for outcomes and results.

• Highly collaborative and persuasive, capable of aligning diverse stakeholders around a coherent product vision and roadmap.

🏝️ Benefits

• Health, dental, and vision insurance.

• Retirement savings plan with company match.

• Paid time off and holidays.

• Opportunities for professional development.

• Performance-based bonuses contingent on the position.

• Certain roles qualify for additional rewards, including annual bonuses and sales incentives, based on the relevant plan, role, and individual performance.