Product Director – Financial Crime in London

As a Product Director for Financial Crime Product at J.P. Morgan Personal Investing, you will lead a team that innovates new product offerings and is responsible for the end-to-end product lifecycle for our financial crime prevention and detection capabilities across AML, KYC/CDD, sanctions screening, transaction monitoring, and fraud controls. You will act as the voice of the customer and develop profitable products that provide customer value, ensuring controls are effective and defensible without creating unnecessary friction. Utilising your deep understanding of how to get a product off the ground, you will guide the successful launch of products, gather crucial feedback, and ensure top-tier client experiences. You will partner closely with Engineering, Operations, Compliance, and Risk to deliver scalable, resilient, high-quality products that meet regulatory expectations and support strong customer outcomes. This role requires striking the right balance between robust regulatory compliance, customer experience, and commercial outcomes.

Our Product team is at the heart of this venture, focused on getting smart ideas into the hands of our customers. We're looking for leaders who have a curious mindset, thrive in collaborative squads, and are passionate about building financial crime products that protect customers and the firm. By their nature, our teams are also solution-oriented, commercially savvy, and have a head for fintech. We work in tribes and squads that focus on specific products and projects – and depending on your strengths and interests, you'll have the opportunity to move between them.

Job responsibilities

• Develops and articulates a clear product strategy that delivers meaningful value to customers and aligns with the firm's broader objectives, covering AML, KYC/CDD, sanctions screening, transaction monitoring, fraud detection and investigator/case management tooling, while balancing regulatory compliance, customer experience and commercial value.
• Supports the expansion of our proposition into new investment services, products and geographies, ensuring financial crime controls are designed in from the outset and scale in a compliant manner across jurisdictions, balancing speed-to-market with compliance requirements.
• Acts as a subject matter expert on financial crime, providing guidance and support to stakeholders and senior management, and translating global regulations into practical financial crime product capabilities across all channels, customer types, products and geographies.
• Leads discovery efforts and market research to understand the investment platforms and digital banking competitive landscape, including how peers and competitors manage compliance with financial crime regulations, and integrates those insights into the product roadmap alongside the needs of Operations and Compliance teams.
• Continuously monitors product and customer-journey metrics to identify friction points and iteratively improve journeys, maintaining compliance while balancing financial crime protection with a seamless investing experience.
• Owns the end-to-end product development process for regulated capabilities, ensuring requirements comply with applicable regulations and internal policies, that testing provides adequate coverage, and that operational readiness and change management are in place ahead of launch, upholding high standards of quality and reliability and translating business and technical objectives into clear priorities for Product Managers and Engineering.
• Designs and evolves financial crime controls leveraging data and metrics to maintain regulatory compliance at scale as products and volumes grow, balancing customer friction, false positive rates and operational cost while preserving explainability and defensibility.
• Leads change impact assessments for new or modified products and regulatory change, owns the annual AML and Sanction risk assessments activities and related reporting and contributes to the definition and ongoing review of the Risk Appetite statement for financial crime product capabilities.
• Contributes to the monitoring, testing, and assurance of controls by supporting audits, compliance and control testing activities, and engagement with regulators to address financial crime topics.
• Builds strong, collaborative relationships across departments, including internal teams (Engineering, Compliance, and Operations) and external vendors across all markets.

Required qualifications, capabilities and skills

• 10+ years of product management experience or equivalent expertise, including 5+ years in Financial Crime, RegTech or financial services compliance-related products.
• Proven track record of leading product teams and delivering enterprise-scale software platforms with measurable outcomes.
• Deep domain knowledge across AML, KYC/CDD, sanctions screening, fraud and transaction monitoring, including investigation and case management workflows, with demonstrated ability to balance regulatory compliance obligations with customer experience and commercial objectives.
• Strong understanding of the financial crime regulatory landscape in the UK, with familiarity across applicable sanctions lists, local due diligence requirements and KYC obligations across multiple jurisdictions.
• Proven experience in conducting or leading financial crime risk assessments and/or change impact assessments.
• Experience delivering data-driven products, including applying AI/ML in Financial Crime contexts and building or enhancing case management systems and investigator tooling.
• Experience developing products for investment platforms or digital consumer banking, ideally across multiple European jurisdictions.
• Ability to explain technical issues in a clear way to the business and other stakeholders — including translating policy and regulatory requirements for technical teams, and explaining technical and product trade-offs to Compliance, Risk and regulators.
• Be the glue among departments and create shared understanding by translating ideas and concepts into technical or layman's terms.
• Excellent written and verbal communication skills, with the ability to present complex information clearly to senior management and regulators.
• Strong organisational skills with the ability to manage multiple priorities effectively in a fast-paced environment.
• Proven ability to collaborate across functions, influence stakeholders and drive outcomes.

Preferred qualifications, capabilities and skills

• Bachelor's degree or equivalent; MBA or relevant advanced degree advantageous.
• Professional certification such as CAMS, ICA, CFE or equivalent.
• Experience co-ordinating responses to audits, compliance testing and regulatory reviews.
• Vendor management experience including build-versus-buy analysis and integration strategy for third-party Financial Crime solutions.
• Demonstrated prior experience navigating matrix and complex organisations, collaborating effectively across teams and functions.

About the Team

J.P. Morgan Personal Investing is building innovative digital investing products for customers across Europe. Our Financial Crime Product team is dedicated to creating industry-leading capabilities that protect our customers and the firm from financial crime, while delivering seamless investing experiences. Teams enable innovation while adhering to the firm's principles of security, customer control, privacy and regulatory excellence. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs.