Lead Product Manager, Risk & Compliance (Customer Onboarding)
Divvy
Innovate with purpose
At BILL, we believe in empowering the businesses that drive our economy. By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations. And we don’t stop there: we’re creating the future of financial automation so businesses can spend more time on what matters.
Working here means you become part of a vision-driven team that’s ready to tackle challenges and build cutting-edge solutions. We value purpose, drive, and curiosity—and we thrive in a fast-paced, ever-changing environment. Whether in one of our offices in San Jose, CA, Draper, UT, or working remotely, BILLders collaborate to deliver real impact for businesses that need more time in their busy weeks.
BILL builds high performing teams and we seek to hire the best talent for every role. We're committed to building a workplace that fosters inclusion and diverse perspectives, valuing each person’s unique skills and experiences. We’d love to hear from you—you might be just what we’re looking for, whether in this role or another.
✨ Let’s give businesses more time for what matters.
Make Your Mark on the Most Critical Part of the Customer Journey
The Risk & Compliance team is the backbone of BILL’s trusted payment ecosystem. We're looking for a Lead Product Manager to own the most crucial first impression our customers have: the onboarding experience. This is not a generalist risk role; your focus will be on building and optimizing the product capabilities that allow us to safely, quickly, and seamlessly welcome new customers to our platform.You will be the strategic owner of the risk and compliance aspects of our onboarding flows. Your mission is to strike the perfect balance between a frictionless user experience and the robust controls necessary to protect our customers and our business in a complex regulatory landscape. If you are passionate about solving the complex puzzles of identity, verification, and risk assessment at the point of entry, this is the role for you.
- Own the Onboarding Risk Strategy: Define and drive the product vision, strategy, and roadmap for all risk and compliance controls within the customer onboarding journey, from initial sign-up to full platform access.
- Build a Seamless & Secure Experience: Lead cross-functional pods of engineers, designers, and data scientists to launch and iterate on features for identity verification (IDV), Know Your Customer (KYC), Know Your Business (KYB), and initial fraud screening.
- Balance Speed and Safety: Obsess over metrics related to customer drop-off, time-to-onboard, and risk-decision accuracy. Use data-driven insights to remove friction for good customers while strengthening defenses against bad actors.
- Partner Across the Business: Collaborate closely with our Operations, Legal, and Go-to-Market teams to ensure your product solutions are not only compliant but also operationally efficient and supportive of business growth.
- Stay Ahead of the Curve: Deeply understand the evolving landscape of fintech regulation, fraud tactics, and identity solutions to proactively address emerging risks and build for the future.
- Communicate with Impact: Clearly articulate your roadmap, product decisions, and performance results to stakeholders and executive leadership.
- A Deep Background in Onboarding: 6+ years in product management, with a significant portion of that time dedicated to building and optimizing risk and compliance controls specifically within customer onboarding flows. You’ve lived and breathed the challenges of KYC, identity verification, and creating low-friction sign-up experiences.
- Fintech or Payments Risk Expertise: Direct, hands-on experience in the risk and/or compliance domain within a payments, lending, or fintech company. You understand the regulatory requirements (e.g., BSA/AML) and common fraud vectors in this space.
- Data-Driven Decision Making: Strong analytical skills with a proven ability to use data and user research to identify opportunities, make difficult trade-offs, and drive product strategy.
- Exceptional Collaboration Skills: A track record of leading high-performing, cross-functional teams and managing complex stakeholder relationships (especially with Legal, Compliance, and Operations).
- A Problem-Solver’s Mindset: You are adept at navigating ambiguity, breaking down complex problems into actionable steps, and delivering solutions in a fast-paced environment.
#LI
The estimated salary range for this role is noted below for our San Jose based role. Our ranges for each role and job level are based on a variety of factors including candidate experience, expertise, and geographic location and may vary from the amounts listed above. The role is also eligible for a competitive benefits package that includes: medical, dental, vision, life and disability insurance, 401(k) retirement plan, flexible spending & health savings account, paid holidays, paid time off, and other company benefits.
What’s in it for you?
Redefining how businesses automate their work is a fast-paced, exciting, and fun environment. But we also have benefits and perks to ensure the magic isn’t only experienced by our customers, but by our employees as well.
Here is a preview of some of the amazing benefits here at BILL:
- 100% paid employee health, dental, and vision plans (choose HMO, PPO, or HDHP)
- HSA & FSA accounts
- Life Insurance, Long & Short-term disability coverage
- Employee Assistance Program (EAP)
- 11+ Observed holidays and wellness days and flexible time off
- Employee Stock Purchase Program with employee discounts
- Wellness & Fitness initiatives
- Employee recognition and referral programs
- And much more
Don’t believe us? Check out our culture, benefits, and teams on our career site, LinkedIn Life, or YouTube pages.
BILL is an Equal Opportunity Employer. We believe our best ideas come from the unique stories, perspectives, and experiences of our team members. We welcome people of all backgrounds, abilities, and identities to bring their authentic selves and contribute to our culture.
We are committed to a transparent, inclusive hiring process that reflects our values. If you need accommodations at any stage, please contact interviewaccommodations@hq.bill.com.
Our Applicant Privacy Notice describes how BILL treats the personal information it receives from applicants.
