Role overview

Qualifications

6+ years of Product Management experience in high-growth fintech environments
Deep expertise in payments, financial operations, and navigating SMB-specific risk challenges
Experience applying machine learning or AI-based approaches to fraud detection
Strong systems thinking with the ability to design end-to-end workflows

Responsibilities

Define the long-term vision for Wave’s Risk Payment Operations Platform
Build systems that enable teams to manage customer activity
Partner with Engineering and Data teams to establish scalable foundations for decision-making
Advocate for customer experience within operational workflows

Key facts

Remote from: Canada
Full time
Senior (5-10 years)
Product Manager (Tech)
English

Hard skills

Product Management Risk Management Payment Schedule Fraud Detection Software As A Service (SaaS) Systems Design Machine Learning Artificial Intelligence Process Automation Systems Financial Management

Other skills

Decision Making
Systems Thinking
Communication

About the company

Wave HQ

Wave is one-stop money management for small business owners. We empower small business owners to manage their finances fearlessly by offering the simplest financial management solution they can’t live without. As an award-winning company, and one of the fastest-growing financial services software solutions, we are unwavering in our commitment to grow and support both our customers and our people. We care deeply and we challenge directly. We re-imagine the possible, together, to achieve extraordinary results for the small business owners we serve.

Company details

Company typeSME

Company size201 - 500

Links

Website LinkedIn See all jobs

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Job description

At Wave, we help small businesses to thrive so the heart of our communities beats stronger. We work in an environment buzzing with creative energy and inspiration. No matter where you are or how you get the job done, you have what you need to be successful and connected. The mark of true success at Wave is the ability to be bold, learn quickly and share your knowledge generously.

We’re looking for a Senior Product Manager, Risk Operations Platform to define and build the internal systems, workflows, and decisioning infrastructure that power Wave’s payments operations.

You will own the strategy and roadmap for the tools used by Risk, Fraud, Compliance, Support, Finance, and Payments Operations teams. Your mission is to replace fragmented workflows and manual processes with scalable platform capabilities that improve operational efficiency, strengthen controls, and enable better customer outcomes.

This is a 0→1 platform role with company-wide impact. In the short term, you’ll navigate and sunset legacy platform components while simultaneously partnering closely with Engineering, Risk, Compliance, Data, Finance, Customer Support, and Product teams to create the operational foundation that enables Wave to scale its payments business confidently and efficiently.

While this role focuses on internal platforms and tooling, customer experience remains a core consideration. The systems you build will directly influence how quickly customers are onboarded, how reviews are handled, how issues are resolved, and how trust is maintained throughout the payments lifecycle.

The Impact You'll Have:

Platform Strategy & Vision:

Define the long-term vision for Wave’s Risk & Payment Operations Platform

Establish a unified strategy for operational workflows, decisioning, case management, and controls

Identify opportunities to reduce manual effort through automation and scalable platform capabilities

Balance operational efficiency, regulatory requirements, risk management, and customer experience

Internal Tools & Workflow Management:

Build the systems that enable teams to investigate, review, approve, monitor, and manage customer activity

Define and improve operational workflows across risk reviews, compliance processes, fraud investigations, holds, reserves, disputes, and escalations

Create intuitive tooling that helps internal teams make consistent and effective decisions

Partner with stakeholders to eliminate operational bottlenecks and improve team productivity

Decisioning & Platform Infrastructure:

Define platform capabilities for rules management, decision orchestration, case management, audit trails, and workflow automation

Partner with Engineering and Data teams to establish scalable foundations for operational decision-making

Create reusable platform services that can support multiple operational use cases across the business

Ensure systems are observable, measurable, and continuously improving

Customer Experience & Trust:

Advocate for customer experience within operational and risk-related workflows

Ensure operational processes are transparent, predictable, and minimize friction for legitimate customers

Partner with Support and Customer Success teams to improve communication and resolution experiences

Measure the impact of operational decisions on customer trust and satisfaction

Cross-Functional Leadership:

Serve as the product leader for internal operations platforms across Payments

Align stakeholders across Product, Engineering, Risk, Compliance, Finance, Support, and Data

Drive prioritization and strategic decision-making in a highly cross-functional environment

Communicate platform strategy, progress, and outcomes to senior leadership

You Thrive Here By Possessing the Following:

6+ years of Product Management experience, with a proven track record in high-growth fintech environments or driving product strategy through critical scaling phases.
Financial Operations: Deep expertise in payments, financial operations, and navigating SMB-specific risk challenges in payments or payroll.
Risk, Fraud & AI: Experience applying machine learning or AI-based approaches to fraud detection, mitigation, and automated decisioning.
0→1 System Generation: Demonstrated success building complex systems from the ground up within SaaS, payments, or highly operational environments.
Cross-Functional Influence: Excellent communication and stakeholder management skills, with a history of aligning engineering, product, and diverse operational teams.
Platform & Internal Tools: Experience designing and launching platform infrastructure, case management systems, workflow engines, and operational tooling.
Automation & Architecture: Strong systems thinking with the ability to design end-to-end workflows, leverage decision engines/rules systems, and implement process automation.
Regulatory Navigation: Thorough understanding of compliance-driven requirements and relevant industry standards (e.g., AML, PCI-DSS, NACHA).

At Wave, we value diversity of perspective. Your unique experience enriches our organization. We welcome applicants from all backgrounds. Let’s talk about how you can thrive here!

Wave is committed to providing an inclusive and accessible candidate experience. If you require accommodations during the recruitment process, please let us know by emailing careers@waveapps.com. We will work with you to meet your needs.

We use Google Gemini, a secure AI assistant, during interviews for note-taking purposes only. Notes are kept confidential and are not shared outside the hiring process. This allows our interviewers to stay fully focused on you during the conversation.

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