BILL
Lead Product Manager, Risk & Compliance (Customer Onboarding)
BILL, San Jose, California, United States, 95199
Overview
At BILL, we believe in empowering the businesses that drive our economy. We’re creating the future of financial automation so businesses can spend more time on what matters. We value purpose, drive, and curiosity—and we thrive in a fast-paced, ever-changing environment. BILL builds high performing teams and seeks to hire the best talent for every role. We’re committed to building a workplace that fosters inclusion and diverse perspectives.
Role The Risk & Compliance team is the backbone of BILL’s trusted payment ecosystem. We are looking for a Lead Product Manager to own the onboarding experience and the risk and compliance aspects of onboarding flows. You will be the strategic owner of onboarding risk controls, balancing a frictionless user experience with robust controls in a complex regulatory landscape.
What You’ll Do
Own the Onboarding Risk Strategy: Define and drive the product vision, strategy, and roadmap for all risk and compliance controls within the customer onboarding journey, from initial sign-up to full platform access.
Build a Seamless & Secure Experience: Lead cross-functional pods to launch and iterate on features for identity verification (IDV), Know Your Customer (KYC), Know Your Business (KYB), and initial fraud screening.
Balance Speed and Safety: Track metrics related to drop-off, time-to-onboard, and risk-decision accuracy; use data-driven insights to reduce friction for good customers while strengthening defenses against bad actors.
Partner Across the Business: Collaborate with Operations, Legal, and Go-to-Market teams to ensure compliant and operationally efficient solutions that support growth.
Stay Ahead of the Curve: Understand evolving fintech regulation, fraud tactics, and identity solutions to address emerging risks and plan for the future.
Communicate with Impact: Present roadmap, decisions, and results to stakeholders and executive leadership.
What We’re Looking For
A Deep Background in Onboarding: 6+ years in product management with significant focus on risk and compliance in customer onboarding; experience with KYC and identity verification.
Fintech or Payments Risk Expertise: Hands-on experience in risk/compliance within a payments, lending, or fintech company; familiarity with regulatory requirements (e.g., BSA/AML) and fraud vectors.
Data-Driven Decision Making: Strong analytical skills and the ability to use data and user research to guide strategy.
Exceptional Collaboration: History of leading cross-functional teams and managing stakeholder relationships across Legal, Compliance, and Operations.
Problem-Solver Mindset: Ability to navigate ambiguity, break down complex problems, and deliver fast-paced solutions.
Compensation & Benefits Base pay range: $167,300/yr – $200,700/yr. The San Jose-based role has an estimated salary range noted below for our location and may vary by experience and location. The role is eligible for a comprehensive benefits package including medical, dental, vision, life and disability insurance, 401(k), flexible spending and health savings accounts, paid holidays, paid time off, and more.
100% paid employee health, dental, and vision plans
HSA & FSA accounts
Life Insurance and disability coverage
Employee Assistance Program (EAP)
11+ holidays and wellness days; flexible time off
Employee Stock Purchase Program
Wellness & Fitness initiatives
Employee recognition and referral programs
Other Information BILL is an Equal Opportunity Employer. We welcome people of all backgrounds, abilities, and identities. If you need accommodations at any stage, please contact interviewaccommodations@hq.bill.com. Our Applicant Privacy Notice describes how BILL treats the personal information it receives from applicants.
Job Details
Seniority level: Mid-Senior level
Employment type: Full-time
Job function: Product Management and Marketing
Industries: Software Development
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Role The Risk & Compliance team is the backbone of BILL’s trusted payment ecosystem. We are looking for a Lead Product Manager to own the onboarding experience and the risk and compliance aspects of onboarding flows. You will be the strategic owner of onboarding risk controls, balancing a frictionless user experience with robust controls in a complex regulatory landscape.
What You’ll Do
Own the Onboarding Risk Strategy: Define and drive the product vision, strategy, and roadmap for all risk and compliance controls within the customer onboarding journey, from initial sign-up to full platform access.
Build a Seamless & Secure Experience: Lead cross-functional pods to launch and iterate on features for identity verification (IDV), Know Your Customer (KYC), Know Your Business (KYB), and initial fraud screening.
Balance Speed and Safety: Track metrics related to drop-off, time-to-onboard, and risk-decision accuracy; use data-driven insights to reduce friction for good customers while strengthening defenses against bad actors.
Partner Across the Business: Collaborate with Operations, Legal, and Go-to-Market teams to ensure compliant and operationally efficient solutions that support growth.
Stay Ahead of the Curve: Understand evolving fintech regulation, fraud tactics, and identity solutions to address emerging risks and plan for the future.
Communicate with Impact: Present roadmap, decisions, and results to stakeholders and executive leadership.
What We’re Looking For
A Deep Background in Onboarding: 6+ years in product management with significant focus on risk and compliance in customer onboarding; experience with KYC and identity verification.
Fintech or Payments Risk Expertise: Hands-on experience in risk/compliance within a payments, lending, or fintech company; familiarity with regulatory requirements (e.g., BSA/AML) and fraud vectors.
Data-Driven Decision Making: Strong analytical skills and the ability to use data and user research to guide strategy.
Exceptional Collaboration: History of leading cross-functional teams and managing stakeholder relationships across Legal, Compliance, and Operations.
Problem-Solver Mindset: Ability to navigate ambiguity, break down complex problems, and deliver fast-paced solutions.
Compensation & Benefits Base pay range: $167,300/yr – $200,700/yr. The San Jose-based role has an estimated salary range noted below for our location and may vary by experience and location. The role is eligible for a comprehensive benefits package including medical, dental, vision, life and disability insurance, 401(k), flexible spending and health savings accounts, paid holidays, paid time off, and more.
100% paid employee health, dental, and vision plans
HSA & FSA accounts
Life Insurance and disability coverage
Employee Assistance Program (EAP)
11+ holidays and wellness days; flexible time off
Employee Stock Purchase Program
Wellness & Fitness initiatives
Employee recognition and referral programs
Other Information BILL is an Equal Opportunity Employer. We welcome people of all backgrounds, abilities, and identities. If you need accommodations at any stage, please contact interviewaccommodations@hq.bill.com. Our Applicant Privacy Notice describes how BILL treats the personal information it receives from applicants.
Job Details
Seniority level: Mid-Senior level
Employment type: Full-time
Job function: Product Management and Marketing
Industries: Software Development
#J-18808-Ljbffr