Cardless

Cardless

Lead Product Manager - Risk & Fraud

San Francisco

Sponsorship not specified$200k-$250kDetected 29 days ago
Machine LearningSpark

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odds of building a lasting career here

59Sponsors, lottery-bound
Cap-exempt (no lottery)0
Sponsors this role80
Entry-level history0
PERM / green-card track0
Lottery odds (Level IV)94
Fits your clock70

Sponsors, but it's cap-subject — you still face the weighted lottery (~61% per draw at Level IV). Good if you win; have a cap-exempt backup on your list.

Lottery odds assume a STEM candidate.

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Employer immigration record

from this employer's Department of Labor filings

Files H-1B transfers

3 transfer filings in the last year, covering 3 workers. Median labor-condition decision: 8 days. An employer that already files transfers is one that can take over an existing H-1B.

Sourced from Department of Labor LCA, PERM and prevailing-wage disclosure data. Employer matching is by name, so figures may be split across an employer's legal entities. Absence of a filing means none appears in our copy of the data, not that none exists.

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About the role

  • Risk and fraud is one of the hardest and most dynamic problems in financial services.
  • Fraudsters adapt, new attack patterns emerge, and the systems that worked yesterday won't necessarily work tomorrow.
  • Cardless is uniquely positioned to take this on.

Responsibilities

  • Turn Cardless's data into an intelligence advantage, combining partner, behavioral, financial, and network signals to make decisioning more predictive and personalized.
  • Make the right build-vs-buy decisions across the risk stack, own what differentiates Cardless, and use external vendors where they make sense.
  • Define how we measure and communicate risk performance, connecting decisions to approvals, losses, customer friction, and program economics while giving partners clear visibility into performance.
  • You think in systems and can turn complexity into clear product direction, connecting risk decisions to customer experience, compliance, operations, and partner economics.
  • Cardless is building the infrastructure for the world's best companies to design, build, and launch financial products.
  • Companies like Coinbase and Bilt use Cardless to create credit cards that feel entirely their own.
  • Our APIs and components shape the journey from the first application to every purchase, reward, and moment of support that follows, while we handle lending, compliance, and operations behind the scenes.
  • ✈️ Team building events & happy hours
  • We're in the office at least three days a week, and most of us are there more than that, because we do our best thinking and building together in person.

Compensation

  • This role has an annual starting salary range of $200,000-$250,000 + equity + benefits.
  • Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location.

Benefits

  • We're proud to offer our team excellent benefits:
  • 💸 Meaningful Start-up equity
  • 🏥 100% health, vision & dental primary coverage
  • ➕ 75% health, vision & dental dependent coverage
  • 🚎 $250/month Commuter benefit
  • 👶 Parental leave
  • 🌴 Flexible PTO with a minimum of 15 days off per year
  • Set the long-term vision and roadmap for risk and fraud systems, spanning application fraud, account takeover, transaction fraud, ongoing account risk, and disputes.
  • Take our decisioning to the next level with AI and machine learning, improving detection, adapting to emerging fraud patterns, and automating more decisions.
  • You have a strong point of view on where AI and machine learning can take risk decisioning, and can translate that vision into better decisions and customer outcomes.
  • We see what could be improved, make it so, and leave every product, system, and team better than we found it.

Company info

  • We're looking for kind, humble people with high standards and low egos.
  • We're looking for someone who's genuinely excited to be there alongside the team.
  • We're looking for a Senior Product Manager to help us take it to the next level, building toward AI-powered decisioning that continuously learns and adapts to approve more good customers and reduce losses.
  • Own how risk and fraud decisions are made, from signals and models to the rules, thresholds, and actions they drive, balancing loss prevention with friction for good customers.
  • Design risk capabilities that work across partners, customers, products, and risk appetites without creating one-off systems.
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This listing is sourced directly from Cardless's careers page and normalized into a canonical job model.