高级/资深产品经理，金融风险
Senior/Staff Product Manager, Financial Risk
### **打造人们喜爱的产品**
Wealthsimple 是加拿大的领先金融创新者。公司提供一系列简单而复杂的金融产品，涵盖托管投资、自助交易、加密货币、税务申报、消费和储蓄。Wealthsimple 目前为超过 400 万加拿大用户提供服务，并管理着超过 1550 亿美元的资产。公司由一群金融专家和技术企业家于 2014 年创立，总部位于加拿大多伦多。
我们自豪于所创造的一切——而这仅仅是开始。阅读我们的 [文化手册](https://www.wealthsimple.com/en-ca/culture) 并了解更多 [我们的工作方式](https://www.wealthsimple.com/en-ca/careers)。
### **关于团队**
金融风险团队负责保护 Wealthsimple 及其客户免受欺诈，同时实现安全、快速且可扩展的资金流动。我们负责决策平台——一个实时规则引擎，处理流数据以在每条主要支付渠道上做出欺诈决策，以及支持欺诈调查工作流程、交易决策、账户限制和存款冻结的工具和自动化系统。我们的系统是支付和资金流动团队用来安全转移资金的基础架构层。
### **关于该职位**
这是一个平台产品经理职位，具有双重使命：通过构建和优化实时干预和决策规则来防止欺诈，以及通过构建自动化和工具来提升欺诈运营团队的速度和效率。你将负责广泛的职责范围——从毫秒级阻止欺诈性提款的流式决策引擎，到将警报路由给调查人员的案件管理系统，再到保护受损账户的限制和暂停框架。
### **你将负责**
- 负责金融风险平台的产品愿景和策略，平衡欺诈防范与客户体验——每一次干预都有成本，你需要在摩擦和保护之间做出明确的权衡。
- 推动决策平台的路线图，这是我们实时规则引擎，用于评估取款、存款、电子转账、加密货币交易和支票存款中的欺诈风险。
- 构建并改进欺诈调查工具和自动化系统——包括案件管理流程、警报去重和增强管道——帮助我们的欺诈运营团队进行调查。
查看英文原文
### **Build something people love**
Wealthsimple is Canada’s leading financial innovator. The company offers a full suite of simple, sophisticated financial products across managed investing, do-it-yourself trading, cryptocurrency, tax filing, spending and saving. Wealthsimple currently serves more than 4 million Canadians and holds over $155 billion in assets under administration. The company was founded in 2014 by a team of financial experts and technology entrepreneurs, and is headquartered in Toronto, Canada.
We're proud of what we've built — and we're just getting started. Read our [Culture Manual](https://www.wealthsimple.com/en-ca/culture) and learn more about [how we work](https://www.wealthsimple.com/en-ca/careers).
### **About the team**
The Financial Risk team is responsible for protecting Wealthsimple and its clients from fraud while enabling safe, fast, and scalable money movement. We own the Decision Platform — a real-time rules engine that processes streaming data to make fraud decisions across every major payment rail — as well as the tooling and automations that power fraud investigation workflows, transaction decisioning, account restrictions, and deposit holds. Our systems are the infrastructure layer that payment and money movement teams plug into to move money safely.
### **About the role**
This is a platform PM role with a dual mandate: prevent fraud by building and tuning real-time interventions and decision rules, and enable fraud investigations by building automations and tooling that make our fraud operations team faster and more effective. You'll own a broad surface area — from the streaming decision engine that blocks fraudulent withdrawals in milliseconds, to the case management system that routes alerts to investigators, to the restriction and suspension frameworks that protect compromised accounts.
### **What you'll do**
- Own the product vision and strategy for the Financial Risk platform, balancing fraud prevention with client experience - every intervention has a cost, and you'll need to make sharp tradeoffs between friction and protection.
- Drive the roadmap for the Decision Platform, our real-time rules engine that evaluates fraud risk across withdrawals, deposits, e-transfers, crypto transactions, and cheque deposits.
- Build and improve fraud investigation tooling and automations - including case management workflows, alert deduplication, and enrichment pipelines - that help our fraud operations team investigate and resolve cases faster.
- Define and evolve the restriction and mitigation framework that enables the right response to fraud signals: suspensions, withdrawal blocks, spend switch blocks, and account-level restrictions.
- Operate as a platform PM, designing extensible APIs, decision schemas, and integration patterns that payment and money movement teams can reliably plug into as new products and payment rails launch.
- Partner deeply with Fraud and Data Science teams on fraud model integration, fraud rule development, and the feedback loops that improve detection accuracy over time.
- Own key risk metrics - fraud loss rates, false positive rates, investigation cycle times, decision latency - and use data to drive prioritization.
- Break down complex, behind-the-scenes infrastructure projects into discrete phases that deliver value incrementally - this is platform work where the "client" is often another engineering team.
### **Skills you bring**
- 6-8+ years of product management experience with significant depth in fraud, risk, or trust & safety - you've built fraud prevention systems, investigation tooling, or risk decisioning platforms and understand the cat-and-mouse dynamics of financial fraud.
- Experience operating as a platform PM: you've built systems that other teams consume, and you know how to balance internal developer experience with business outcomes. You think in APIs, schemas, and extensibility.
- Strong technical fluency: you can go deep on streaming architectures, workflow orchestration, and ML model integration. You don't need to write code, but you need to reason about system design tradeoffs with engineering.
- Comfort with breadth: this role spans real-time decisioning, investigation tooling, restrictions infrastructure, and regulatory reporting. You thrive when context-switching across a wide problem space, not when going narrow.
- Data-driven decision making: you use quantitative analysis to identify fraud patterns, measure intervention effectiveness, and prioritize investments.
- Experience working with fraud operations teams: you understand investigation workflows, alert triage, case management, and the tooling that makes analysts productive. You've closed the loop between detection and investigation.
- A shipping mentality: we don't believe in spending forever analyzing and debating. The best way to validate a fraud rule is to ship it, monitor it, and iterate.
- Strong communication skills: you can translate complex risk and platform concepts for engineering, operations, compliance, and executive stakeholders.
- Ability to work independently: biasing towards action to drive projects forward across a broad surface area.
### **Why Wealthsimple?**
🌸 Top-tier health benefits and life insurance
📈 Long-term group savings with employer match, through Wealthsimple for Business
🌴 20 vacation days, 4 wellness days, and unlimited sick and mental health days per year*
✈️ 90 days away: work outside Canada for up to 90 days per year*
👥 Employee resource groups, including Rainbow (2SLGBTQ), Women of WS, and Black at WS
🌎 We are a hybrid team with over 1,500 employees across North America. The people are one of the best parts of working here: you'll collaborate with incredibly talented, curious, and driven teammates who are deeply committed to doing great work.
*Unlimited paid sick days, Wellness Days and the 90 day away program do not apply to certain roles.
### **ICYMI**
**Technology & Innovation at Wealthsimple:** We move quickly and build thoughtfully. That means we're always looking for better ways to work — whether that's new tools, AI, or rethinking how we approach a problem. We don't expect you to have all the answers, but we do expect curiosity and a willingness to evolve alongside the products we're building.
**Inclusion Statement:** We're building products for a diverse world, and we need a diverse team to do it well. We strongly encourage applications from everyone, regardless of race, religion, colour, national origin, gender, sexual orientation, age, marital status, or disability status.
**Accessibility Statement:** We're committed to an accessible hiring experience. If you need any accommodations throughout the interview process, please let us know — we'll work with you to make sure you have what you need. We also welcome any feedback on how we can better accommodate candidates with accessibility needs.
**AI in Hiring:** We may use artificial intelligence (AI) tools to support parts of our hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our team but don't replace human judgment – all final hiring decisions are made by people. If you have questions about how your data is used, reach out to us.