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About the Role

As Senior Product Manager – Fraud & Scams, you’ll shape and evolve products and capabilities to protect Australians and the payments ecosystem from fraud and scams. This product leadership role involves owning products through their lifecycle, from identifying customer problems and shaping propositions to roadmap development, delivery, launch, and optimization. You will use market insight, customer feedback, and performance data to make evidence-based product decisions, balancing customer needs, business objectives, and the evolving fraud landscape. A key aspect is building trusted relationships with member organizations, engaging with stakeholders to understand their priorities and translating insights into product opportunities.

Responsibilities

Own and manage the full product lifecycle, identifying customer and market needs and translating them into compelling product propositions, strategies and roadmaps.
Develop products and capabilities that address evolving fraud and scam risks, using data, market intelligence, customer insight and industry trends to identify opportunities and priorities.
Apply deep expertise across card fraud, including card-present and card-not-present fraud, issuer and acquirer dynamics, authorisation, fraud detection and scoring, digital wallets and tokenisation, disputes and chargebacks.
Bring strong knowledge of account-to-account payments and scams, including real-time payments, APP scams, account takeover, mule activity, transaction monitoring and scoring, intervention and recovery.
Translate complex fraud problems into practical product propositions, customer journeys, capabilities and controls that can operate effectively at scale.
Lead cross-functional delivery teams, prioritise requirements, manage backlogs and ensure products deliver measurable value through the delivery lifecycle.
Coordinate customer testing, product launches, communications and training, and continually adapt products in response to changing customer, market and risk requirements.
Build business cases and assess potential product and change options, considering commercial, technical, operational and risk impacts.
Develop strong relationships across banks, fraud and scams leaders, technology and data teams, customers and senior internal stakeholders, influencing outcomes without relying on formal authority.
Provide specialist advice that supports operational leadership and the translation of strategy into execution.
Identify opportunities to improve processes, products and operating models as the fraud and scams environment continues to evolve.

Requirements

Deep fraud and scams domain expertise – substantive experience designing, managing or operating fraud/scam prevention products, capabilities or controls.
Strong card fraud knowledge – a detailed understanding of card-present and card-not-present fraud, issuer/acquirer dynamics, authorisation, fraud detection and scoring, digital wallets/tokenisation and disputes and chargebacks.
Account-to-account fraud and scams expertise – experience with real-time or A2A payments, ideally including NPP, with a strong understanding of APP scams, account takeover, mule activity, transaction monitoring, intervention and recovery.
Proven product management capability – experience owning products end-to-end, from identifying customer problems and developing propositions through to roadmap creation, prioritisation, business cases, delivery, launch and ongoing optimisation.
3+ years’ experience as a Senior Product Manager.
Strong payments and financial services knowledge – ideally gained within banking, payments, fintech or a related regulated environment.
Commercial and strategic thinking – able to assess ambiguous problems, understand trade-offs and develop evidence-based recommendations and business cases.
Exceptional stakeholder management and influence – confident engaging with banks, fraud leaders, technology and data specialists and senior stakeholders, building credibility quickly and influencing outcomes across organisational boundaries.
Strong delivery discipline – comfortable leading multidisciplinary teams, prioritising competing demands and turning product strategy into tangible outcomes.
A customer and problem-solving mindset – able to investigate complex and ambiguous situations, understand root causes and identify practical opportunities for improvement.

Skills

Fraud & Scams Product Management
Card Fraud Expertise
Account-to-Account Payments Expertise
Product Lifecycle Management
Roadmap Development
Stakeholder Management
Business Case Development
Cross-functional Team Leadership
Customer Insight Analysis
Market Intelligence Analysis
Payments Ecosystem Knowledge
Financial Services Knowledge

Location

Australia

Work Type

Full-time

Experience Level

Senior

About the Company

Australian Payments Plus (AP+) operates critical domestic payments and identity infrastructure, connecting banks, financial institutions, retailers, businesses, government agencies and fintechs.
AP+ is building secure, resilient and innovative payment experiences for today and for the digital future, working on important payments infrastructure at a national scale.
The company is driven by values: lead with heart, learn for tomorrow and live our legacy.
AP+ aims to create a workplace where people can bring big ideas, build great relationships, and continue to grow.

Equal Opportunity

We want to remove all barriers to inclusion, so if you need advice or support with your application, we're here to help.
We also encourage you to let us know your pronouns at any point during the recruitment process.