Product Lead, Payments Risk

About RipplingRippling gives businesses one place to run HR, IT, and Finance. It brings together all of the workforce systems that are normally scattered across a company, like payroll, expenses, benefits, and computers. For the first time ever, you can manage and automate every part of the employee lifecycle in a single system.Take onboarding, for example. With Rippling, you can hire a new employee anywhere in the world and set up their payroll, corporate card, computer, benefits, and even third-party apps like Slack and Microsoft 365—all within 90 seconds.Based in San Francisco, CA, Rippling has raised $1.4B+ from the world’s top investors—including Kleiner Perkins, Founders Fund, Sequoia, Greenoaks, and Bedrock—and was named one of America's best startup employers by Forbes.We prioritize candidate safety. Please be aware that all official communication will only be sent from @Rippling.com addresses.About the roleRippling’s financial platform moves billions of dollars every month—paying employees, managing benefits, funding accounts, and powering businesses globally. As the Product Lead for Payments Risk, you will own the controls, systems, policies, and automation that ensure the safety, integrity, and compliance of those flows.You’ll partner closely with the Risk, Compliance, and Data Science teams to design and deliver tools, rules engines, and integrations that detect and prevent fraud, assess credit risk, and maintain AML compliance. This includes building out a modern infrastructure for automated underwriting, transaction monitoring, and AI/ML-driven risk evaluation across Rippling’s suite of products.Your work will directly shape how Rippling balances rapid innovation with financial integrity—ensuring that every transaction and account on the platform is both seamless and secure.What you will doOwn the product vision and roadmap for Rippling’s risk, compliance, and underwriting decisioning systemsDesign and scale internal tools and automation frameworks to support credit evaluations, fraud detection, and AML compliance, across all of Rippling’s financial productsBuild a unified payments risk platform that includes case management, rules engines, transaction monitoring, and sanctions screening systemsImplement ML and AI-based systems to power real-time risk scoring, anomaly detection, and dynamic underwriting decisionsWork closely with Risk and Compliance stakeholders and represent the user in discussions around policy implementations and regulatory frameworksLead data and engineering teams to improve financial integrity through better signals, models, and data pipelinesWork cross-functionally across product, finance, and operations to align risk mitigation with customer experience and product velocityWhat you will need5+ years of product management, operations, and/or founding experience3+ years working in payments or fintech, or otherwise working in decisioning systems, data pipelines, or general platform capabilities that directly affect user experiences. Ability to understand credit risk, fraud risk, AML policies, and financial controls Self-starter with a bias towards action and ability to thrive in a fast-paced environmentWillingness to work on multiple products and features at once, across teamsThrives in understanding complexity and transforming it into simple user experiencesDeep technical, analytical, and problem solving skills Exceptional interpersonal communication & organizational skillsStrong ability to motivate and inspire people to do their best workRelentlessly focused on customers’ needsStrong alignment with Rippling's leadership principles, particularly “Push the limits of possible,”  “Challenge each other directly,” and “Go and see”Additional InformationRippling is an equal opportunity employer. We are committed to building a diverse and inclusive workforce and do not discriminate based on race, religion, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression, age, sexual orientation, veteran or military status, or any other legally protected characteristics, Rippling is committed to providing reasonable accommodations for candidates with disabilities who need assistance during the hiring process. To request a reasonable accommodation, please email accomodations@rippling.comRippling highly values having employees working in-office to foster a collaborative work environment and company culture. For office-based employees (employees who live within a defined radius of a Rippling office), Rippling considers working in the office, at least three days a week under current policy, to be an essential function of the employee's role.This role will receive a competitive salary + benefits + equity. The salary for US-based employees will be aligned with one of the ranges below based on location; see which tier applies to your location here.A variety of factors are considered when determining someone’s compensation–including a candidate’s professional background, experience, and location. Final offer amounts may vary from the amounts listed below. The pay range for this role is:144,000 - 252,000 USD per year(US Tier 1)PI6385203fffb3-30511-38179713