Senior Product Manager, Member Account Safety

About the role

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. At SoFi, we're on a mission to help our members get their money right and become a Top 10 Financial Institution. We are seeking a high-agency, Senior Product Manager to own the vision and roadmap for authentication and safety experiences for our members. Your mission is to manage the tension between security and friction when accessing their accounts. Safety often feels annoying to users; your job is to flip that script, making "being safe" feel like a high quality feature rather than a chore. We want our members to feel protected, not locked out. You will own the "Front Door" of the SoFi experience: encompassing authentication, multi-factor authentication, and account recovery, ensuring that access is defended against bad actors while remaining a welcoming experience for our members. Beyond the point of entry, you will oversee the broader safety journey. This includes designing experiences to manage the member experience during active fraud investigations and securing high-stakes profile changes that are often the first targets in a takeover attempt. You will build systems that identify anomalies and suspicious behavior to prevent account takeovers before they happen. Your products will provide defenses against crypto scams, phishing attacks, and social engineering, ensuring that only the true member is authenticated to access their account, and ensuring members have full awareness of what they're authorizing during a step-up challenge. Your products will serve as the cornerstone of customer trust, transforming moments of security friction into empathetic, brand-building experiences that protect our members without slowing them down.

Responsibilities

• Articulate a comprehensive roadmap for the Member Safety domain, aligning with SoFi's broader objectives and executive-level reporting.
• Harden the "Front Door": Own authentication, MFA, and account recovery, ensuring that the first point of contact with SoFi is both seamless and secure.
• Build active awareness into risk checkpoints, defending against scams and social engineering attacks to high-risk surface areas such as crypto, by ensuring members know exactly what they are authorizing.
• Guide a vision to improve the member experience during active fraud investigations, reducing fraud-related complaints and maintaining trust during high-stress events.
• Secure Critical Account Updates: Design and implement robust defenses for sensitive profile changes (e.g., contact information or security settings), utilizing step-up challenges to ensure attackers cannot "lock out" legitimate members during an account takeover attempt.
• Partner with Engineering to implement security layers that accurately identify suspicious behavior or potential account takeovers (ATO) without adding friction for legitimate users.
• Champion transparency and security education through products that drive safety awareness, transforming security from a background process into one that offers members agency in the process.
• Drive cross-functional collaboration with the Fraud Risk Center of Excellence, multiple Product teams, Design, and Engineering to ensure safety is a cornerstone of every new product surface.
• Collaborative Scope Management: Partner closely with the Fraud Product team to align on a unified defense strategy, maintaining the flexibility to flex across shared domains and take ownership of critical initiatives to support broader team capacity and shifting business needs.

Requirements

• 5+ years of Product Management experience , with a focus on Identity, Safety, Fraud, or Fintech.
• Strong Ownership: A proactive, results-oriented approach to ambiguous, high-stakes environments.
• Technical Fluency: The ability to discuss integrated systems and APIs deeply with engineers.
• Adversarial Empathy: A demonstrated ability to grasp complex user scenarios while anticipating the moves of a malicious actor.
• Customer-First Mindset: A passion for the "UX of Safety" and a commitment to reducing member complaints through better interdiction experiences.
• Exceptional Communication: The proficiency to distill complex fraud or technical issues into clear, actionable product strategies.
• Adaptive Leadership: A low-ego, team-first approach with the ability to operate across different product charters, supporting peer PMs

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