Technical Product Manager - Money and Risk

Remote in Europe, Full Time, Senior-level experience Who We Are Yuno is the AI-native operating system of global commerce, powering the financial infrastructure of enterprise merchants, banks, and wallets. With a single API, Yuno connects them to pay-ins, payouts, fraud prevention, KYC/KYB, and stablecoins globally, so they can operate everywhere with a single integration. Agnostic by design, Yuno offers connectivity to 1,000+ payment methods and 460+ integrations in 190+ countries, optimizing acceptance rates, reducing costs, and strengthening security through specialized AI agents that learn from every transaction on the network. Global brands run their payments on Yuno, including Arcos Dorados (McDonald's), NetEase Games, GoFundMe, inDrive, and Rappi. Banks, acquirers, PSPs, and wallets use Yuno to modernize their infrastructure without replacing core systems and to prepare for the next generation of commerce, including agentic payments. About The Role Yuno is moving toward its 2030 Vision: becoming the autonomous, programmable operating system for global commerce. We are looking for a highly technical, execution-focused Technical Product Manager (TPM) to serve as the Single Threaded Leader (STL) for Risk, Trust & Vault — the domain that stops fraud and secures card data across every transaction on the platform. In this role, you sit at the critical intersection of deep technology and business value, defining the foundational building blocks required to scale fraud screening, PCI-compliant vaulting, and card lifecycle management across Yuno's 11 domains. You are not a backlog manager; you are a “Maker-to-Governor.” You will move between defining product strategy, shaping technical direction, and ensuring reliable operation in production. You possess a sharp product sense and own the end-to-end delivery process for risk and trust infrastructure within our Agentic Integration Platform. You will lead an autonomous, cross-functional domain pod to build robust, headless capabilities in a zero-tolerance environment for failure. Crucially, you will champion a “You Build It, You Run It” (YBIYRI) engineering culture, ensuring that every platform component your team delivers — from fraud scoring to card vaulting — is bank-grade, resilient, and fully owned from code to production. Risk, Trust & Vault: What This Domain Owns Risk, Trust & Vault is responsible for stopping fraud and securing card data. As the STL for this domain, you will own the roadmap, architecture, and operational health of the following capabilities:

Capability Description Real-Time Fraud Screening Evaluate payment transactions for fraud risk before or at authorization Card Vaulting Tokenize, store, and retrieve raw card data within the PCI boundary Account Updater Automatically update stored card tokens when card details change Card Portfolio Migration Migrate card portfolios between vaults and processors   Your contribution will be Own single-threaded leadership (STL): Act as the ultimate driver for Risk, Trust & Vault, translating high-level business goals into precise, versioned APIs and event-driven architectures spanning fraud screening, card vaulting, account updating, and portfolio migration. Drive agentic strategy: Define the “what” and “why” for platform features that move client onboarding toward low-to-no coding effort, owning the transition from manual risk review to an autonomous, AI-driven fraud screening engine. Protect the stability floor: Enforce a “Stop the Line” mentality for quality, maintaining a Stability Floor of high automated quality assurance across real-time fraud screening and card vaulting, ensuring feature velocity never compromises bank-grade reliability and PCI compliance. Provide cross-functional leadership: Lead a high-ownership pod of elite engineers, partnering with Staff Engineers and the CTO Office to eliminate silos. Embed a YBIYRI culture: Evangelize and operationalize the YBIYRI mindset, ensuring your team designs for multi-tenancy, elastic scaling, and automated observability across the account updater and portfolio migration services, owning their microservices in production via a “follow-the-sun” model. Prioritize with evidence: Use the RICE framework to turn ambiguous requirements — such as new fraud signals or vault-to-vault card portfolio migrations — into a structured, executable roadmap that balances architectural integrity against market opportunism. Skills You Need Minimum Qualifications Deep technical foundation: Strong understanding of cloud-native architectures, distributed systems, APIs, event-driven platforms, and modern software engineering practices (Cloud-native/Serverless, Kotlin/Go, gRPC/REST), with the ability to lead architectural discussions on “paved road” infrastructure as it applies to fraud detection and secure card data systems. Platform-as-a-Product experience: Proven experience building foundational platform capabilities or complex distributed systems, ideally involving fraud/risk engines, tokenization, or PCI-scoped infrastructure. Execution mastery: Track record of driving delivery velocity, unblocking engineering teams, managing dependencies across 11 domains, and optimizing DORA metrics. The “Maker” mindset: Preference for clean, modular architecture over monolithic shortcuts. Commercial sharpness: Ability to articulate technical trade-offs (e.g., tech debt vs. feature velocity) to executive stakeholders and translate growth goals into technical requirements. Preferred Qualifications Domain familiarity: Working knowledge of fraud/risk scoring models, PCI DSS card vaulting requirements, tokenization standards, and account updater services from card networks. What We Offer at Yuno Competitive Compensation Remote Work – You can work from everywhere! Home Office Bonus – A one-time allowance to help you create your ideal home office. Work Equipment Stock Options Health Plan wherever you are. Flexible Days Off