C

Circle

Global payments platform using digital currencies

Principal Product Manager - Risk & Fraud

Full-TimeUpdated on 10/1/2026
$200k - $260k/yr
Expert
Salt Lake City, UT, USA+23 moreMore locations: Boston, MA, USA | Seattle, WA, USA | Houston, TX, USA | Nashville, TN, USA | Washington, DC, USA | San Francisco, CA, USA | Austin, TX, USA | Los Angeles, CA, USA | Tampa, FL, USA | Miami, FL, USA | Dallas, TX, USA | Philadelphia, PA, USA | Chicago, IL, USA | Boise, ID, USA | Charlotte, NC, USA | Kansas City, MO, USA | Columbus, OH, USA | New York, NY, USA | Phoenix, AZ, USA | Minneapolis, MN, USA | Portland, OR, USA | Atlanta, GA, USA | San Diego, CA, USA
Remote

About the job

Requirements
  • 10+ years of product management experience building risk, compliance, or trust and safety platforms in fintech, crypto, or financial services.
  • Deep expertise in fraud typologies in consumer and small-to-medium business segments, signals and strategies to mitigate them, and hands-on experience crafting risk rules.
  • Deep expertise in anti-money laundering, sanctions screening, and onboarding compliance, including know-your-customer and know-your-business processes.
  • A track record of translating regulatory requirements into scalable, policy-driven platform capabilities that support both real-time and asynchronous risk decisioning across crypto and fiat rails.
  • Experience leading modular platform design, including refactoring monolithic services into scalable, service-oriented architectures.
  • Skill in collaborating with engineering, data science, and operations teams to ship complex infrastructure products, influence senior stakeholders, and drive alignment across functions.
  • Highly analytical and data-driven experience applying machine learning, risk signals, and scoring models to improve detection, decisioning, and operational efficiency.
  • Strong technical fluency, including working knowledge of application programming interfaces and software development kits, event-driven architectures such as SNS/SQS or equivalent, SQL, and GitHub or equivalent.
Responsibilities
  • Define the strategy and roadmap for a risk and fraud platform supporting real-time and asynchronous risk decisions across products and markets, crypto and traditional financial rails, onboarding, account linking, and other customer lifecycle events, with a focus on a user-friendly rules engine and intuitive tooling for risk operators.
  • Build fraud prediction and detection systems from the ground up by defining risk vectors affecting the product roadmap, executing mitigating controls, integrating third-party vendor models, and creating iterative feedback loops that learn from past fraudulent behavior.
  • Define and implement observability strategies to ensure risk platform integrity, including monitoring performance, validating critical flows, and surfacing key risk indicators for prioritization and executive decision-making.
  • Leverage artificial intelligence and machine learning to automate risk decisioning and operational processes, and lead feature and context engineering, model development, and evaluation and monitoring frameworks.
  • Maintain clear, comprehensive documentation of platform design, functionality, and dependencies to ensure internal transparency and audit readiness.
  • Translate regulatory requirements and business needs into clear product requirements, insights, and user stories for engineering execution.
  • Represent the risk platform in senior leadership and regulatory forums, align cross-functional strategy, and demonstrate how Circle’s infrastructure meets evolving compliance obligations at scale.
Desired Qualifications
  • Background in RegTech, banking, or scaled fintech, with direct exposure to complex regulatory environments.
  • Expertise in blockchain technologies and crypto compliance, including chain types, on-chain travel rule requirements, blockchain monitoring, and evolving crypto regulations.
  • Experience with rapid prototyping using artificial intelligence tools to accelerate product exploration, workflow automation, or internal tooling development.

About the company

Circle is a global fintech company that helps businesses use digital currencies and public blockchains for payments, commerce, and financial applications. It provides a platform for digital payments and related financial services built on blockchain technology, charging transaction fees and service charges for its activities. How it works: Circle offers digital currency and blockchain-based payment capabilities that enable fast, secure transfers and cross-border transactions for businesses of all sizes; revenue comes from fees on these services. How it differs from competitors: Circle targets a broad range of business customers and focuses on integrating digital currencies and public blockchains into everyday commercial and financial processes, emphasizing security and efficiency. Circle's goal is to become a leading provider of enterprise-grade digital finance tools, helping many organizations adopt and use digital currencies and blockchain-based payments globally.

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

New York City, New York

Founded

2013

Get referred to Circle

See people who can refer or advise you

Simplify Jobs

Simplify's Take

What believers are saying

  • September 2026 Tazapay acquisition adds 100-plus payout markets and $25 billion annualized volume.
  • Binance's 2026 promotion expands USDC adoption in emerging markets and raises trading liquidity.
  • Volante and Socure integrations position Circle for bank onboarding, compliance, and settlement adoption.

What critics are saying

  • September 2026 CFO Jeremy Fox-Geen exits; Sean Neville left the board.
  • USDC revenue still depends on reserve yields; Q2 2026 reserve return rate fell to 3.5%.
  • Tether, Visa, Mastercard, and Stripe attack Circle's payments wedge; distribution alone won't win.

What makes Circle unique

  • July 2026 OCC charter makes Circle National Trust a federally supervised stablecoin bank.
  • September 2026 Binance deal gives USDC direct distribution across one of crypto's largest platforms.
  • Arc plus StableFX targets institutional settlement, FX, and payments on programmable rails.

Help us improve and share your feedback! Did you find this helpful?

Benefits

Paid time off - We offer flexible paid time off — take what you need as long as it works with you and your team, and all Circle employees get mobile phone and home office reimbursements.

Health coverage - No matter where you live, we offer a market competitive suite of benefits. Enroll in health, dental, vision, disability, and life insurances, and Circle covers some or all of the premiums.

Invested in your future - All U.S. full-time and part-time employees enjoy 401(k) and pensions (with 4% company match if you contribute 5% or more), and share Circle’s success via company equity awards.

Learning & development - Your individual growth and development is important to us and we provide the resources to help you grow your career while at Circle.

Growth & Insights and Company News

Headcount

6 month growth

↑ 1%

1 year growth

↑ 3%

2 year growth

↑ 0%
Yahoo Finance
Sep 28th, 2026
Circle co-founder Sean Neville exits board as Catena Labs secures OCC approval for national trust bank

Circle co-founder Sean Neville has stepped down from the company's board, effective 25 September, according to a regulatory filing. The departure follows Catena Labs receiving preliminary conditional approval from the US Office of the Comptroller of the Currency on 18 September to establish a national trust bank focused on AI agents. Circle CEO Jeremy Allaire linked Neville's exit to Catena's progress, stating the venture "deserves his full focus". The filing noted the resignation was for personal reasons and not related to any disagreement with Circle's operations. Neville joined Circle's board in 2016 after co-founding the company with Allaire. The move reduces Circle's board from eight directors to seven. Circle CFO Jeremy Fox Green also recently departed the company.

TokenPost
Sep 28th, 2026
Alpen partners with Circle to bring USDC, CCTP to mainnet.

Alpen partners with Circle to bring USDC, CCTP to mainnet. The Bitcoin infrastructure provider will make Circle-issued USDC and the Cross-Chain Transfer Protocol available when its mainnet launches. By Simon Yoon Published Sep 27, 2026, 11:02 PM EDT Mentioned assets Alpen, a Bitcoin infrastructure provider, has partnered with Circle to make USD Coin (USDC) and the Cross-Chain Transfer Protocol (CCTP) available when its mainnet launches. Discover more Secure crypto wallet Blockchain events calendar The partnership will bring Circle-issued USDC to Alpen's upcoming network. CCTP, Circle's cross-chain transfer protocol, will also be available on the mainnet. The partnership announcement did not include a mainnet launch date. No further details about the partnership were provided.

Circle
Sep 28th, 2026
Volante Technologies and Circle to advance stablecoin payment and settlement capabilities for financial institutions.

Volante Technologies and Circle to advance stablecoin payment and settlement capabilities for financial institutions. NEW YORK, September 28, 2026 - Volante Technologies, the global leader in Payments as a Service (PaaS), today announced a strategic collaboration with Circle Internet Group, Inc. (NYSE: CRCL) ("Circle"), a leading internet financial platform company and the issuer of USDC[1] through its regulated entities, to help financial institutions integrate stablecoin payment and settlement capabilities into their existing payment operations. Through the collaboration, Volante is bringing USDC workflows into its AI-powered Payments Platform, enabling financial institutions to evaluate how stablecoin activity can operate alongside existing payment rails, operational controls, and on- and off-ramp requirements - without requiring a separate digital asset stack. Volante clients, which include four of the top five global corporate banks and seven of the top 10 U.S. banks, will be able to evaluate key workflows, including minting, redemption, beneficiary wallet registration, funding, notifications, and wallet-to-wallet payment execution, within the same payments infrastructure they use today. The collaboration reflects a broader industry shift toward multi-rail payments architectures that combine traditional payment systems with emerging forms of digital value transfer. By enabling banks to assess how USDC can fit within existing operating models, Circle and Volante are helping banks explore new approaches to payments, settlement, and liquidity movement while maintaining the governance, controls, and interoperability required for institutional use. Nikhil Chandhok, Chief Product and Technology Officer, Circle, said: "As stablecoins become an increasingly important component of modern payments infrastructure, financial institutions need practical ways to understand how digital dollars can fit within existing operations. Our collaboration with Volante does exactly that by bringing USDC capabilities into the systems, controls, and processes banks already use, and helping them move from exploration toward operational implementation." Deepak Gupta, Chief Product, Engineering, and Delivery Officer, Volante Technologies, said: "For banks, stablecoin adoption is not about building a separate digital asset stack; it is about integrating a new rail into the payment infrastructure they already depend on. Volante clients can soon test USDC workflows within our AI-powered Payments Platform, including how stablecoin activity can be orchestrated alongside existing rails, operational controls, and on- and off-ramp requirements. We look forward to future collaborations with Circle, potential joint go-to-market opportunities, and USDC via Volante." [1 USDC is issued by regulated affiliates of Circle. See Circle's list of regulatory authorizations at] [circle.com/legal/licenses] [. ###] About Circle Internet Group, Inc. Circle (NYSE: CRCL) is one of the world's leading internet financial platform companies, building the foundation of a more open, global economy through programmable blockchain infrastructure, digital assets, and payment applications. Circle's platform includes the world's largest stablecoin network anchored by USDC, Circle Payments Network for global money movement, and Arc, an enterprise-grade blockchain designed to become the Economic OS for the internet. Enterprises, financial institutions, and developers use Circle to power trusted, internet-scale financial innovation. Learn more at circle.com About Volante Technologies Volante Technologies is the trusted payments modernization partner for financial businesses worldwide. Volante's ISO native and cloud-native, multi-cloud Payments as a Service platform, powered by Agentic AI and low-code capabilities, enables financial institutions to modernize and operate domestic and global payment rails with speed, agility, and self-sufficiency, processing millions of mission-critical transactions and trillions in value daily. Volante's customers include four of the top five global corporate banks, seven of the top ten U.S. banks, and two of the world's largest card networks. Learn more at volantetech.com and linkedin.com/company/volante-technologies. Press inquiries follow Circle

NewsBTC
Sep 26th, 2026
Socure brings AI identity checks to Circle's Arc Onramp.

Socure brings AI identity checks to Circle's Arc Onramp. Last Updated: September 26, 2026 11:30 pm 2 mins read Tl;dr. * Socure has integrated its RiskOS identity and fraud platform into the Arc Onramp experience. * The system is designed to verify users and make fraud decisions as they move from fiat currency into USDC through applications built on Arc. * The integration adds a compliance layer to Circle's institution-focused blockchain without moving identity data directly into a public transaction flow. Circle's Arc ecosystem is adding identity infrastructure from Socure as financial applications begin building fiat-to-stablecoin onboarding directly into the network. Socure says its RiskOS platform is being used for identity verification and fraud prevention inside the Arc Onramp experience. That gives developers another piece of the infrastructure required to move users from conventional financial accounts into USDC without treating compliance as a separate manual process. BitStarz Player Lands $2,459,124 Record Win! Could you be next big winner? Play Now! The onramp needs to know who is coming in. Arc is designed around financial applications rather than anonymous crypto experimentation. That creates a straightforward problem. A payment company or regulated institution may want blockchain settlement, but it still needs to know who its customers are and whether a transaction presents fraud or compliance risk. Socure's software sits in that onboarding layer. RiskOS combines identity verification with risk decisioning, allowing an application to evaluate a user before fiat is converted into USDC and moved through the Arc ecosystem. Socure says its broader platform is used across financial services, government, gaming and other industries. Integrating those tools into a blockchain onramp is an example of traditional fintech infrastructure meeting crypto rails rather than one replacing the other. Public blockchains still need private identity systems. The integration highlights an awkward reality around institutional blockchain adoption. Open networks are useful because assets can move between applications without every participant sharing the same internal database. Identity data cannot work the same way. Banks and regulated financial companies generally cannot put sensitive personal information into a public ledger and call the problem solved. Instead, identity verification needs to happen offchain while the resulting permissions and transactions can move through the blockchain layer. That is the role Socure is trying to fill. Arc itself is not new this week, but the RiskOS integration is. It joins a growing collection of infrastructure aimed at making stablecoin applications feel less like crypto products and more like ordinary financial services. For end users, the ideal outcome is probably that most of this remains invisible. They verify their identity, fund an application and receive USDC. Behind that simple interaction sits exactly the kind of compliance and fraud machinery blockchain applications increasingly need if they want mainstream financial users. Disclaimer: The information found on NewsBTC is for educational purposes only. It does not represent the opinions of NewsBTC on whether to buy, sell or hold any investments and naturally investing carries risks. You are advised to conduct your own research before making any investment decisions. Use information provided on this website entirely at your own risk.

Tech in Asia
Sep 26th, 2026
Circle CFO Jeremy Fox-Geen plans to step down.

Circle CFO Jeremy Fox-Geen plans to step down. Circle Internet Group, a New York-based stablecoin issuer behind USDC, said on September 25 that CFO Jeremy Fox-Geen plans to step down after more than five years in the role. The company is working with an executive search firm to find a successor. Fox-Geen, who joined Circle in May 2021, will remain CFO through the end of 2026 unless a successor is appointed sooner. Circle said he helped the company grow, including by helping it complete a US$1.2 billion initial public offering last year. In a regulatory filing, Circle also said co-founder Sean Neville stepped down as a director with immediate effect for personal reasons. The company said Neville's departure was part of an orderly board transition. According to CoinMarketCap, USDC had a market capitalization of about US$75 billion. The leadership change comes as proposed US stablecoin legislation could limit yield on reserve assets. Outside analysis has said 95% of Circle's revenue depends on interest rates, while another report cited US$76.5 billion in USDC reserves. Recent Circle developments. Stay updated on the go with our mobile app. Get latest insights with smoother, more personalized experience through TIA mobile app. How would you feel if you could no longer use Tech in Asia? Share, tag us, and land on our Wall of!