Principal Product Manager

We are looking for a Principal Product Manager to join our global product organization at Circle, a leader in the emerging internet of money. In this role you will own the strategy and execution of the risk platform that supports both crypto and traditional financial rails. Overview As a Principal Product Manager you will work cross?functionally with compliance, legal, engineering, data science and business stakeholders to design a modular, extensible risk platform. Your work will enable Circle to manage risk with precision, meet evolving regulatory expectations and uphold the highest standards of trust and safety. Key Responsibilities Own the strategy and execution of the risk platform, ensuring it scales to support new products, markets, and global regulatory requirements. Partner with the regulatory, legal, engineering, data science, and business teams to align priorities and deliver resilient infrastructure across crypto and fiat rails. Design and scale a modular, extensible risk platform that supports crypto? and traditional financial rails, and risk?related use cases across onboarding, account linking, and other customer lifecycle events. Define and implement observability strategies to ensure risk platform integrity, including monitoring performance, validating critical flows, and surfacing key risk indicators. Evolve Circles travel rule platform to enhance jurisdictional coverage, interoperability, and integration with internal systems and partner networks. Leverage AI/ML to automate risk decisioning and operational processes; lead feature engineering, model development, evaluation, and monitoring frameworks. Maintain clear documentation of platform design, functionality, and dependencies to support audit readiness. Translate regulatory requirements and business needs into clear product requirements, insights, and user stories for engineering execution. Represent the risk platform in senior leadership and regulatory forums, aligning cross?functional strategy and demonstrating compliance at scale. Core Requirements 10+ years of product management experience building risk, compliance, or trust & safety platforms in fintech, crypto, or financial services. Deep expertise in fraud, AML, sanctions screening, and onboarding compliance (e.g., KYC/KYB), with hands?on experience crafting risk rules based on real?world typologies. Track record of translating regulatory requirements into scalable, policy?driven platform capabilities that support real?time and asynchronous risk decisioning. Experience leading modular platform design, including refactoring monolithic services into scalable, service?oriented architectures. Skilled in collaborating with engineering, data science, and operations teams to ship complex infrastructure products; able to influence senior stakeholders and drive alignment across functions. Highly analytical and data?driven, with experience applying ML, risk signals, and scoring models to improve detection, decisioning, and operational efficiency. Strong technical fluency, including knowledge of APIs, event?driven architectures (SNS/SQS or equivalent), SQL, and version control. Preferred Requirements Background in RegTech, banking, or scaled fintech with direct exposure to complex regulatory environments. Expertise in blockchain technologies and crypto compliance, including chain types, on?chain travel rule requirements, blockchain monitoring, and evolving crypto regulations. Experience with rapid prototyping using AI tools to accelerate product exploration or internal tooling development. Base Pay Base Pay Range: $187,500 - $240,000 EEO Statement We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Additionally, Circle participates in the E?Verify Program in certain locations, as required by law. If you require accommodations or assistance due to a disability, please contact accommodations@circle.com. #J-18808-Ljbffr