Product Owner - EPD International

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The Role: We are searching for a Fraud Strategist, Ecosystem to own horizontal fraud strategy across the SoFi member journey. This is a sophisticated role for an operator who can reason across the entire product and user lifecycle as a single risk surface. You will design decisioning that travels with the member and recognizes perimeter threats and scam typologies as they cross product seams: onboarding, account creation, funding, money movement (ACH, FedNow, Wire, Zelle, P2P), and high-value product activity. The work requires fluency in device forensics, entity resolution, account takeover (ATO) defense, scam interception, and the rule-engine craft to translate that fluency into production policy. You will lead the cross-product signal layer that lets every product line see a member’s full risk posture, and replace fixed dollar caps with risk-tiered frameworks that price velocity, recency, and counterparty risk. By joining SoFi, you'll become part of a forward-thinking company that is transforming financial services for the better. We offer the excitement of a rapidly growing startup with the stability of an industry leading leadership team.   What You’ll Do: The Fraud Strategist, Ecosystem will help SoFi build a unified cross-product fraud defense by: * Owning fraud strategy across the full SoFi product surface, designing decisioning that uses signals from onboarding, login, money movement, and product activity together rather than in isolation. * Leading cross-product perimeter defense covering ATO carryover from compromised credentials, scam interception (authorized push payment, romance, investment, impostor, business email compromise), mule-account detection, and synthetic-identity attacks at funding. * Driving device forensics across product lines: shared device-graph infrastructure, emulator and VM detection, jailbreak and root signals, residential-proxy detection, and entity resolution that links a single bad actor across accounts that look clean in isolation. * Designing risk-tiered money movement decisioning for ACH, FedNow, Wire, Zelle, and P2P flows, replacing fixed dollar caps with dynamic frameworks priced on velocity, recency, counterparty risk, and scam telemetry. * Building the cross-product analytics layer in SQL and Python: shared feature tables, entity-resolution signals, and rule-level attribution that lets every product line see a member’s full risk posture. * Partnering with EPD, Fraud Ops, InfoSec, and product owners to ship strategy changes through the rules engine with clean governance, performance monitoring, and clear escalation when losses deviate from forecast.   What You’ll Need: * BA/BS in Statistics, Information Systems, Mathematics, Data Science, or related fields, or equivalent work experience, and 5–8 years of work experience in Fraud Analytics across multiple product lines. * ATO and Scam Defense: Demonstrated track record reducing account takeover and scam losses across more than one product line. Comfort with the scam taxonomy in detail: authorized push payment, romance, investment, impostor, remote access, business email compromise, and the shared signal between them. * Perimeter Threat Fluency: Operational understanding of how perimeter threats (credential stuffing, MFA bombing, SIM swap, mule-account farming, synthetic identity at funding, first-party intent fraud) manifest at each entry surface of a multi-product fintech. * Device Forensics: Hands-on experience with device fingerprinting, emulator and VM detection, jailbreak and root signals, behavioral biometrics, and entity-level device-graph analysis as a tool for linking accounts across products. * Cross-Product Reasoning: Demonstrated track record building fraud strategy that spans more than one product line, with explicit framing of where signals transfer, where they do not, and how to govern shared risk infrastructure. * Money Movement and Onboarding: Working knowledge of onboarding orchestration, IDV vendor stacks (Socure, Persona, Veriff), rules engines (Oscilar, SAFE, Camunda), and the economics of risk-tiered limits in real-time payments. * Balance Friction and Growth: Deep mastery of evaluating trade-offs between fraud mitigation and UX, ensuring security strategies protect the business without compromising key conversion and retention metrics. * Architect Scalable Data Systems: Expert-level SQL/Python skills used to build automated, high-volume data architectures and statistical models that serve as the foundation for global risk detection. * Drive Strategic Influence: A proactive leader who uses cross-functional persuasion to align stakeholders across product lines and owns the end-to-end execution of complex initiatives in fluid environments. * Founders’ Mentality: You need to have a positive, proactive attitude, being able to identify problems, raise proposals, and be an advocate of your initiatives. Learn, iterate, and excel. Compensation and Benefits The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.    To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page! SOFI PROVIDES EQUAL EMPLOYMENT OPPORTUNITIES (EEO) TO ALL EMPLOYEES AND APPLICANTS FOR EMPLOYMENT WITHOUT REGARD TO RACE, COLOR, RELIGION (INCLUDING RELIGIOUS DRESS AND GROOMING PRACTICES), SEX (INCLUDING PREGNANCY, CHILDBIRTH AND RELATED MEDICAL CONDITIONS, BREASTFEEDING, AND CONDITIONS RELATED TO BREASTFEEDING), GENDER, GENDER IDENTITY, GENDER EXPRESSION, NATIONAL ORIGIN, ANCESTRY, AGE (40 OR OVER), PHYSICAL OR MEDICAL DISABILITY, MEDICAL CONDITION, MARITAL STATUS, REGISTERED DOMESTIC PARTNER STATUS, SEXUAL ORIENTATION, GENETIC INFORMATION, MILITARY AND/OR VETERAN STATUS, OR ANY OTHER BASIS PROHIBITED BY APPLICABLE STATE OR FEDERAL LAW. THE COMPANY HIRES THE BEST QUALIFIED CANDIDATE FOR THE JOB, WITHOUT REGARD TO PROTECTED CHARACTERISTICS. PURSUANT TO THE SAN FRANCISCO FAIR CHANCE ORDINANCE, WE WILL CONSIDER FOR EMPLOYMENT QUALIFIED APPLICANTS WITH ARREST AND CONVICTION RECORDS. NEW YORK APPLICANTS: NOTICE OF EMPLOYEE RIGHTS SOFI IS COMMITTED TO AN INCLUSIVE CULTURE. AS PART OF THIS COMMITMENT, SOFI OFFERS REASONABLE ACCOMMODATIONS TO CANDIDATES WITH PHYSICAL OR MENTAL DISABILITIES. IF YOU NEED ACCOMMODATIONS TO PARTICIPATE IN THE JOB APPLICATION OR INTERVIEW PROCESS, PLEASE LET YOUR RECRUITER KNOW OR EMAIL ACCOMMODATIONS@SOFI.COM. DUE TO INSURANCE COVERAGE ISSUES, WE ARE UNABLE TO ACCOMMODATE REMOTE WORK FROM HAWAII OR ALASKA AT THIS TIME. Internal Employees If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.

About Pinterest: Millions of people around the world come to our platform to find creative ideas, dream about new possibilities and plan for memories that will last a lifetime. At Pinterest, we’re on a mission to bring everyone the inspiration to create a life they love, and that starts with the people behind the product. Discover a career where you ignite innovation for millions, transform passion into growth opportunities, celebrate each other’s unique experiences and embrace the flexibility to do your best work. Creating a career you love? It’s Possible. At Pinterest, AI isn't just a feature, it's a powerful partner that augments our creativity and amplifies our impact, and we’re looking for candidates who are excited to be a part of that. To get a complete picture of your experience and abilities, we’ll explore your foundational skills and how you collaborate with AI. Through our interview process, what matters most is that you can always explain your approach, showing us not just what you know, but how you think. You can read more about our AI interview philosophy and how we use AI in our recruiting process here. The Team:  Pinterest helps people find inspiration and take action on it—connecting pinners with ideas and products they love. Within EPD, the Monetization org builds the ads and merchant ecosystem that funds Pinterest’s business while protecting long-term user experience. This Staff TPM role sits in Monetization as the TPM lead for Monetization Data Science, at the center of a highly cross-functional network (Product, Engineering, Design, Sales, PMM, Core, Platforms, Data). What’s exciting is the team’s explicit shift toward a “data-driven monetization engine”: unifying fragmented data into a trusted SSOT, building an end-to-end input metrics funnel, enabling advanced segmentation, and democratizing analytics so teams can move faster and make better decisions with shared context.    What you’ll do: * Lead the Monetization DS execution roadmap: drive the integrated plan across the four strategic pillars (SSOT + funnel, segmentation, input-metrics cadence, democratized analytics) with clear milestones and success measures.  * Productionalize our DS strategy: coordinate Platforms/Data Eng + Monetization Eng + DS to productionalize core tables, governance, reliability, and scale beyond DS-owned pipelines.  * Enable new instrumentation: partner with Engineering to close observability gaps (especially delivery funnel instrumentation) so full-funnel survivability can be analyzed reliably.  * Drive workflow automation: reduce manual human intervention in recurring data workflows and program operations; build durable mechanisms for monitoring, alerting, and dependency tracking.  * Scale self-serve and democratization: deliver partner-facing tooling (dashboards / analytics surfaces) that makes staples the common language and supports fast diagnostics and opportunity mining.  * Operationalize input metrics: establish/upgrade business review cadences so teams set goals and are accountable for moving controllable input metrics (not just reporting revenue outcomes).  * Drive targeted deep dives: structure and execute cross-functional deep-dive programs (e.g., influencer population, auction density/demand) with clear hypotheses, decision asks, and downstream action plans.  * Use GenAI as the default operating model for EP PgM execution—producing AI-assisted first drafts of core program artifacts, modernizing high-toil workflows into AI-first mechanisms (e.g., intake triage, status synthesis, action/decision extraction, risk & dependency tracking), and synthesizing signals to proactively surface risks, decision/trade-offs, and escalation paths. * Prototype solutions to augment decisions through data (e.g. dashboards, data analysis) or simplify processes (e.g. process and workflow helpers, or internal tools) using AI coding assistants (“vibe coding”). * Follow Pinterest AI guidance for risk, governance, and safety-by-design: appropriately handle sensitive data, validate AI-generated outputs, document assumptions/limits, and ensure AI-assisted workflows meet applicable policy/compliance expectations before broad adoption.   What we’re looking for: * Staff-level TPM scope and behaviors: proven ability to independently own multi-team, multi-quarter technical programs, including resolving ambiguity, driving decisions, and delivering outcomes through influence. * Deep cross-functional leadership: strong partnership with Product and Engineering plus ability to align Design, Sales, PMM, Core, Platforms, and Data on sequencing, tradeoffs, and adoption.  * Data platform + metrics judgment: experience building trusted metrics/SSOT and operational cadences that shift org behavior toward leading indicators and fast diagnosis.  * Mechanism builder, not “process administrator”: track record of creating durable operating systems (cadence, dashboards, decision logs, RACI/DRIs) that reduce toil and increase velocity. * Excellent risk and dependency management: anticipates cross-org failure modes, keeps stakeholders aligned with crisp comms, and escalates with clear options and recommendations. * AI-first execution mindset: demonstrated ability to use GenAI to accelerate planning, program operations, and stakeholder communications—starting with AI drafts and applying strong judgment to validate, refine, and drive decisions. * Workflow design, AI fluency, data & insights orientation: experience turning repeatable program work into durable, low-toil mechanisms and improving decision-making by using GenAI (e.g., strong prompting, vibe coding lightweight scripts/tools, dashboards, data analysis and leveraging agents where appropriate) * Safety-by-design AI fluency: experience operating within AI governance expectations (risk assessment, data handling, model/output validation, auditability/traceability) and proactively identifying where AI use is not appropriate or requires additional controls. * Bachelor’s degree in Computer Science, Engineering, a related field or equivalent experience.   Relocation Statement: * This position is not eligible for relocation assistance. Visit our PinFlex page to learn more about our working model.   In-Office Requirement Statement: * We recognize that the ideal environment for work is situational and may differ across departments. What this looks like day-to-day can vary based on the needs of each organization or role. * This role will need to be in the office for in-person collaboration 1-2 times every 6-months and therefore can be situated anywhere in the country.   #LI-REMOTE #LI-JD3 At Pinterest we believe the workplace should be equitable, inclusive, and inspiring for every employee. In an effort to provide greater transparency, we are sharing the base salary range for this position. The position is also eligible for equity. Final salary is based on a number of factors including location, travel, relevant prior experience, or particular skills and expertise. Information regarding the culture at Pinterest and benefits available for this position can be found here. US based applicants only $145,747—$300,067 USD Our Commitment to Inclusion: Pinterest is an equal opportunity employer and makes employment decisions on the basis of merit. We want to have the best qualified people in every job. All qualified applicants will receive consideration for employment without regard to race, color, ancestry, national origin, religion or religious creed, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, age, marital status, status as a protected veteran, physical or mental disability, medical condition, genetic information or characteristics (or those of a family member) or any other consideration made unlawful by applicable federal, state or local laws. We also consider qualified applicants regardless of criminal histories, consistent with legal requirements. If you require a medical or religious accommodation during the job application process, please complete this form for support.   By submitting this application, I certify that all information submitted in my application and throughout the hiring process is true, accurate, and complete to the best of my knowledge. I understand that any false statement, omission, or misrepresentation may disqualify me from employment consideration or result in termination if discovered after hire.