Senior Product Manager, Risk

Senior Product Manager, Risk Platform

Instacart

We're transforming the grocery industry At Instacart, we invite the world to share love through food because we believe everyone should have access to the food they love and more time to enjoy it together. Where others see a simple need for grocery delivery, we see exciting complexity and endless opportunity to serve the varied needs of our community. We work to deliver an essential service that customers rely on to get their groceries and household goods, while also offering safe and flexible earnings opportunities to Instacart Personal Shoppers. Instacart has become a lifeline for millions of people, and we’re building the team to help push our shopping cart forward. If you’re ready to do the best work of your life, come join our table. Instacart is a Flex First team There’s no one-size fits all approach to how we do our best work. Our employees have the flexibility to choose where they do their best work—whether it’s from home, an office, or your favorite coffee shop—while staying connected and building community through regular in-person events. Learn more about our flexible approach to where we work. OVERVIEW Instacart’s Platform team powers the foundational capabilities behind our marketplace and Storefront Pro, including order management, pricing and discounting, loyalty, payments, fraud, and customer experience. We’re hiring a Senior Product Manager to build and own Instacart’s Risk Platform: the shared infrastructure behind fraud detection, appeasements, and identity verification across our four-sided marketplace of customers, shoppers, retailers, and advertisers. You’ll set the north star for what this platform becomes, define the roadmap and sequencing to get there, and own the outcomes to build the platform. WHAT MAKES THIS TEAM UNIQUE Instacart’s Fraud, Appeasements & Identity team sits at the intersection of platform infrastructure and real-world commerce, protecting millions of transactions across a four-sided marketplace.  In this role, you will own the end-to-end product vision and roadmap for how Instacart prevents fraud, verifies identity, and resolves order disputes fairly. A core challenge is navigating the tension between cost efficiency and delivering a fast, fair customer experience - shaping fraud and appeasement policies with cross-functional partners that protect the business without degrading the customer experience that drives growth. You'll drive measurable impact on cost per order, fraud losses, and customer experience by evolving our real-time decision platform, advancing ML-driven fraud models, and shaping the next generation of AI-native fraud defense. On the fraud and identity side, you'll own a real-time ML-powered decision platform and build the next generation of AI-native fraud defense. The industry is undergoing a generational shift from rules-based to AI-first fraud prevention, and you'll define Instacart's strategy for it. On the appeasements side, you'll tackle one of the most interesting product challenges in commerce: how do you make customers whole quickly and fairly when something goes wrong, while maintaining thoughtful safeguards against abuse? Every customer-facing commitment we make builds the trust that drives loyalty and growth, and also requires careful product and policy design to manage cost responsibly. You'll design the systems and policies that solve this tension at scale, working across Order Quality, CX, Legal, and Finance. Ultimately, you’ll set the roadmap to define and build a new piece of platform infrastructure at Instacart to power risk decisioning across all our product surface areas. ABOUT THE JOB   * Own the fraud, identity, and appeasements product vision, strategy, and multi-year roadmap. Set a clear north star with quantified targets for fraud losses, cost per order, false positive rates, and customer experience - and regularly socialize that vision with leadership and cross-functional partners. * Drive the evolution of Instacart's real-time fraud detection and identity platform - including ML model strategy, decisioning, identity verification (selfie, passkeys, ATO prevention), and account integrity across both marketplace and Storefront Pro. Optimize the balance between fraud prevention and customer experience. * Champion an AI-native, AI-first approach to fraud and trust. Drive opportunities to apply AI/ML innovations across the full domain. Push beyond incremental rule tuning toward a fundamentally AI-first architecture. * Lead the appeasements and order-issue resolution strategy - defining policies, guardrails, and product capabilities that balance fair customer treatment with abuse prevention. Partner with Order Quality, CX, and Legal to shape policies where customer-facing commitments require thoughtful safeguards. Drive measurable improvements to efficiency. * Be the strategic leader, not just the executor. Proactively identify new opportunities, define the "where we go next" narrative, and produce clear product reviews that demonstrate depth, ambition, and clear trade-off analysis. Don't wait for partner teams to tell you what to build - own the direction. * Partner closely with Data Science, ML Engineering, and Fraud Operations to define PRDs, scope ML model improvements, and translate complex fraud signals into scalable product capabilities. Leverage operational insights while maintaining independence of judgment on strategic direction. * Collaborate across Platform, Payments, Order Management, Shopper, Legal, and CX teams to ensure fraud and trust capabilities are embedded across Instacart's full commerce stack - from checkout to post-order to international expansion. Stay ahead of the evolving fraud landscape, including organized fraud-as-a-service, AI-generated abuse, and emerging attack vectors. MINIMUM QUALIFICATIONS * 6+ years of product management experience, including 3+ years focused on fraud, trust & safety, risk, identity, or a related high-stakes platform domain. * Demonstrated ability to set product vision and strategy independently - not just execute on a defined roadmap, but define the north star, build conviction with leadership, and drive a multi-year narrative with measurable goals. * Proven track record driving measurable business outcomes in fraud prevention or risk management - such as reducing fraud losses, improving authorization/approval rates, lowering false positive rates, or optimizing cost per order. * Strong experience working with ML/data science teams on fraud detection models, risk scoring, or decisioning platforms. Comfort with data and experimentation (SQL, analytics tools, A/B testing) to size opportunities, validate hypotheses, and measure impact rigorously. * Demonstrated success working cross-functionally with engineering, operations, data science, finance, legal, and compliance - with strong written and verbal communication skills to produce compelling strategy documents and build confidence in direction. * Bachelor's degree in business, engineering, computer science, or a related field; equivalent practical experience considered. PREFERRED QUALIFICATIONS   * Experience applying AI/ML innovations to fraud, identity, or trust & safety - such as shipping GenAI/LLM-powered products, building AI-native detection/decisioning systems, or leveraging graph neural networks and multimodal analysis. Strong preference for candidates who think AI-first, not rule-first. * Experience building for multi-sided marketplaces and/or enterprise/white-label platforms, with an understanding of how fraud controls need to adapt for different partner models and user types (customers, shoppers, merchants, advertisers). * Experience leading or influencing without direct authority in an operational environment (e.g., working with Fraud Ops, Trust & Safety Ops, or Risk Operations teams). #LI-Remote Instacart provides highly market-competitive compensation and benefits in each location where our employees work. This role is remote and the base pay range for a successful candidate is dependent on their permanent work location. Please review our Flex First remote work policy here. Currently, we are only hiring in the following provinces: Ontario, Alberta, British Columbia, and Nova Scotia. Offers may vary based on many factors, such as candidate experience and skills required for the role. Additionally, this role is eligible for a new hire equity grant as well as annual refresh grants. Please read more about our benefits offerings here. For Canadian based candidates, the base pay ranges for a successful candidate are listed below. CAN $194,000—$204,500 CAD

Senior Product Manager, Risk Platform

Instacart

We're transforming the grocery industry At Instacart, we invite the world to share love through food because we believe everyone should have access to the food they love and more time to enjoy it together. Where others see a simple need for grocery delivery, we see exciting complexity and endless opportunity to serve the varied needs of our community. We work to deliver an essential service that customers rely on to get their groceries and household goods, while also offering safe and flexible earnings opportunities to Instacart Personal Shoppers. Instacart has become a lifeline for millions of people, and we’re building the team to help push our shopping cart forward. If you’re ready to do the best work of your life, come join our table. Instacart is a Flex First team There’s no one-size fits all approach to how we do our best work. Our employees have the flexibility to choose where they do their best work—whether it’s from home, an office, or your favorite coffee shop—while staying connected and building community through regular in-person events. Learn more about our flexible approach to where we work. OVERVIEW Instacart’s Platform team powers the foundational capabilities behind our marketplace and Storefront Pro, including order management, pricing and discounting, loyalty, payments, fraud, and customer experience. We’re hiring a Senior Product Manager to build and own Instacart’s Risk Platform: the shared infrastructure behind fraud detection, appeasements, and identity verification across our four-sided marketplace of customers, shoppers, retailers, and advertisers. You’ll set the north star for what this platform becomes, define the roadmap and sequencing to get there, and own the outcomes to build the platform. WHAT MAKES THIS TEAM UNIQUE Instacart’s Fraud, Appeasements & Identity team sits at the intersection of platform infrastructure and real-world commerce, protecting millions of transactions across a four-sided marketplace.  In this role, you will own the end-to-end product vision and roadmap for how Instacart prevents fraud, verifies identity, and resolves order disputes fairly. A core challenge is navigating the tension between cost efficiency and delivering a fast, fair customer experience - shaping fraud and appeasement policies with cross-functional partners that protect the business without degrading the customer experience that drives growth. You'll drive measurable impact on cost per order, fraud losses, and customer experience by evolving our real-time decision platform, advancing ML-driven fraud models, and shaping the next generation of AI-native fraud defense. On the fraud and identity side, you'll own a real-time ML-powered decision platform and build the next generation of AI-native fraud defense. The industry is undergoing a generational shift from rules-based to AI-first fraud prevention, and you'll define Instacart's strategy for it. On the appeasements side, you'll tackle one of the most interesting product challenges in commerce: how do you make customers whole quickly and fairly when something goes wrong, while maintaining thoughtful safeguards against abuse? Every customer-facing commitment we make builds the trust that drives loyalty and growth, and also requires careful product and policy design to manage cost responsibly. You'll design the systems and policies that solve this tension at scale, working across Order Quality, CX, Legal, and Finance. Ultimately, you’ll set the roadmap to define and build a new piece of platform infrastructure at Instacart to power risk decisioning across all our product surface areas. ABOUT THE JOB   * Own the fraud, identity, and appeasements product vision, strategy, and multi-year roadmap. Set a clear north star with quantified targets for fraud losses, cost per order, false positive rates, and customer experience - and regularly socialize that vision with leadership and cross-functional partners. * Drive the evolution of Instacart's real-time fraud detection and identity platform - including ML model strategy, decisioning, identity verification (selfie, passkeys, ATO prevention), and account integrity across both marketplace and Storefront Pro. Optimize the balance between fraud prevention and customer experience. * Champion an AI-native, AI-first approach to fraud and trust. Drive opportunities to apply AI/ML innovations across the full domain. Push beyond incremental rule tuning toward a fundamentally AI-first architecture. * Lead the appeasements and order-issue resolution strategy - defining policies, guardrails, and product capabilities that balance fair customer treatment with abuse prevention. Partner with Order Quality, CX, and Legal to shape policies where customer-facing commitments require thoughtful safeguards. Drive measurable improvements to efficiency. * Be the strategic leader, not just the executor. Proactively identify new opportunities, define the "where we go next" narrative, and produce clear product reviews that demonstrate depth, ambition, and clear trade-off analysis. Don't wait for partner teams to tell you what to build - own the direction. * Partner closely with Data Science, ML Engineering, and Fraud Operations to define PRDs, scope ML model improvements, and translate complex fraud signals into scalable product capabilities. Leverage operational insights while maintaining independence of judgment on strategic direction. * Collaborate across Platform, Payments, Order Management, Shopper, Legal, and CX teams to ensure fraud and trust capabilities are embedded across Instacart's full commerce stack - from checkout to post-order to international expansion. Stay ahead of the evolving fraud landscape, including organized fraud-as-a-service, AI-generated abuse, and emerging attack vectors. MINIMUM QUALIFICATIONS * 6+ years of product management experience, including 3+ years focused on fraud, trust & safety, risk, identity, or a related high-stakes platform domain. * Demonstrated ability to set product vision and strategy independently - not just execute on a defined roadmap, but define the north star, build conviction with leadership, and drive a multi-year narrative with measurable goals. * Proven track record driving measurable business outcomes in fraud prevention or risk management - such as reducing fraud losses, improving authorization/approval rates, lowering false positive rates, or optimizing cost per order. * Strong experience working with ML/data science teams on fraud detection models, risk scoring, or decisioning platforms. Comfort with data and experimentation (SQL, analytics tools, A/B testing) to size opportunities, validate hypotheses, and measure impact rigorously. * Demonstrated success working cross-functionally with engineering, operations, data science, finance, legal, and compliance - with strong written and verbal communication skills to produce compelling strategy documents and build confidence in direction. * Bachelor's degree in business, engineering, computer science, or a related field; equivalent practical experience considered. PREFERRED QUALIFICATIONS   * Experience applying AI/ML innovations to fraud, identity, or trust & safety - such as shipping GenAI/LLM-powered products, building AI-native detection/decisioning systems, or leveraging graph neural networks and multimodal analysis. Strong preference for candidates who think AI-first, not rule-first. * Experience building for multi-sided marketplaces and/or enterprise/white-label platforms, with an understanding of how fraud controls need to adapt for different partner models and user types (customers, shoppers, merchants, advertisers). * Experience leading or influencing without direct authority in an operational environment (e.g., working with Fraud Ops, Trust & Safety Ops, or Risk Operations teams). #LI-Remote Instacart provides highly market-competitive compensation and benefits in each location where our employees work. This role is remote and the base pay range for a successful candidate is dependent on their permanent work location. Please review our Flex First remote work policy here. Offers may vary based on many factors, such as candidate experience and skills required for the role. Additionally, this role is eligible for a new hire equity grant as well as annual refresh grants. Please read more about our benefits offerings here. For US based candidates, the base pay ranges for a successful candidate are listed below. CA, NY, CT, NJ $221,000—$233,000 USD WA $212,000—$223,500 USD OR, DE, ME, MA, MD, NH, RI, VT, DC, PA, VA, CO, TX, IL, HI $203,000—$214,000 USD All other states $184,000—$194,000 USD

Senior Product Manager

Risk Ledger

ABOUT US Risk Ledger is developing a network of connected organisations, all working together to defend against cybersecurity attacks in the supply chain. Organisations rely on us to establish trust, through sharing their security maturity and visualising the risks posed by their supply chain ecosystem. And we’re already trusted by customers like ASOS, British Airways, BAE Systems and the NHS. We are putting together an amazing and talented team from a diverse set of backgrounds and skillsets to drive us towards our vision. Risk Ledger is built on the respect we have for one another and our users, united by our shared values and mission. Every one of us is still learning: it’s how we grow as individuals. We’re curious. We’re ambitious. And we’re humble and honest. At Risk Ledger, we aim high to find the best solutions we can and always put our users first. THE ROLE: We're looking for a Senior Product Manager to join us for this next phase of growth; where we’ll be significantly evolving our core offering, expanding internationally and diversifying into new use cases. You'll own a product area with a clear outcome (rather than a prescriptive feature list), where you'll explore the problem space, synthesise evidence and inputs to identify the right opportunities, and work with the team to solve them at pace. You'll need to be skilled at employing best-practice product development for our stage of growth, and working within real constraints like technical debt while maintaining high velocity. You'll also collaborate with the wider product team to strengthen our practice, supporting process improvements and contributing to better cross-functional ways of working with Design and Engineering.   IN THE ROLE YOU WILL: * Own a strategic area of growth. You'll start embedded in one of our core squads, working hand-in-hand with engineers and designers to critique bets, drive execution, and solve real customer problems. * Collaborate to deliver step-changes in value. Though established and growing, we have a huge opportunity in front of us, so we’re looking to deliver big step-changes rather than incremental improvements. This will need strong collaboration both within the product teams, and across functions. * Improve how we work as we scale. Work alongside the rest of our Product team, Design and Engineering to improve how we collaborate cross-functionally, refining our approach to discovery and delivery, and establish patterns that work for our stage of growth. YOU’LL HAVE: * 7+ years’ commercial experience in Product Management, with significant time in early-stage B2B SaaS environments. Ideally this includes experience navigating phases of international and/or portfolio expansion, and times where you’ve taken high-level, ambiguous opportunity spaces, shaped, and delivered at pace. * The ability to operate at different altitudes, shifting between strategic and tactical work as needed, while crafting compelling narratives that explain the "why" behind your bets. * A bias for action, prioritising momentum and experimentation over perfection, with the ability to cut through ambiguity and move initiatives forward while managing risk appropriately. * A results-driven mindset, focused on delivering measurable outcomes that align with strategic objectives, using qualitative and quantitative data to guide decisions and assess success. * Strong stakeholder management across technical and commercial teams - able to translate between different perspectives, facilitate alignment, and build trust through clear communication and follow-through. YOU MIGHT HAVE: * Experience integrating LLMs or AI capabilities into products. * Product ops experience - such as improving product data tooling or feedback management systems. WHY YOU’D LOVE IT HERE: * Hybrid working! 2x days a week including Thursday (company day). * A people focused culture! We are HUGE on cross-team collaboration, and in the same vein also socialising amongst teams and departments, with a friendly open plan office to facilitate this. * Regular socials to unwind and have some fun! From ‘Sip and Paint’ to F1 Arcades, Cricket matches, summer parties and sports days. Whether you like to get involved or not, the option is there. * A dog friendly office… if you have a furry friend, they are VERY welcome to join the Risk Legend community. DIVERSITY COMMITMENT: At Risk Ledger, we’re building a world class team where people feel comfortable that they can be themselves. We are striving to create a workplace where people’s skills, personality and experience are recognised, promoted and valued, no matter their background. We offer equal opportunities without discrimination, and actively encourage applications from candidates of all backgrounds.   The perks: * 💰Competitive base salary * 📈Generous EMI equity package * 👌Private pension * ✈️28 days annual leave + bank holidays * 🏖Additional 30 days of unpaid leave per year to use as you wish * 🏥Private healthcare with AXA Insurance - including enhanced mental wellbeing coverage * 🏠Hybrid working policy, typically 2-3 days in the office * 👶Enhanced family (parental) leave - gender-neutral policy, 12 weeks paid leave * 👪5 days Caretaker's leave * 😷Enhanced occupational sick pay * 💻£500 WFH budget * 📚All the learning resources and books you want to aid in your personal development * 🎉 Regular socials to unwind and have some fun     Salary range £95,000—£110,000 GBP