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For Companies At a Glance
- Tasks: Lead the charge in preventing fraud and financial crime using top-notch tools.
- Company: Join ZEN.COM, a smart financial app revolutionising everyday finance.
- Benefits: Enjoy remote work, competitive pay, and growth opportunities in a thriving fintech.
- Why this job: Make a real impact on customer experience while tackling financial crime.
- Qualifications: 4+ years in product ownership or risk management, with a knack for data analysis.
- Other info: Work remotely from anywhere in the UK or EU with a supportive team culture.
The predicted salary is between 36000 - 60000 £ per year.
Remote
About ZEN.COM
ZEN.COM is a smart financial app designed for your everyday life – at home and on the go. We make payments, online shopping, and personal finance management fast, secure, and effortless. With ZEN, you can enjoy cashback on purchases, full control over your spending, and peace of mind thanks to purchase protection. A built-in multi-currency account lets you spend abroad or shop internationally with great exchange rates and no hidden fees.
About the Role
We are looking for a Product Owner to take full ownership of our financial crime and fraud management ecosystem. Rather than building new tools from scratch, your mission will be to ensure we get the maximum value out of existing, best-in-class off-the-shelf solutions – orchestrating their configuration, integration, and usage to improve approval rates, reduce fraud losses, and deliver a smooth customer experience. This role sits at the intersection of product, risk, data, operations, and engineering — you will shape solutions that prevent fraud and financial crime while supporting business growth and regulatory compliance.
Key Responsibilities
- Product Ownership & Strategy
- Own the end-to-end fincrime and fraud prevention capability stack across the customer and transaction lifecycle.
- Contribute to the product strategy and roadmap for fincrime/fraud tooling utilisation, configuration, and integration — focusing on orchestration rather than tool development and maintenance.
- Continuously evaluate whether we are using vendor capabilities to their full potential.
- Vendor & Ecosystem Management
- Lead interactions with internal engineering teams to ensure correct integration and usage of fincrime and fraud prevention tools.
- Design and implement internal capabilities that enable efficient orchestration of external tools.
- Drive alignment on vendor usage across fincrime and fraud stakeholders, ensuring configurations reflect business strategy and regulatory obligations.
- Ensure different tools communicate effectively to create a unified, consistent risk ecosystem.
- Performance Optimization
- Monitor KPIs such as approval rates, false positive rates, customer friction, operational workload, fraud losses, and AML case handling efficiency.
- Identify performance trends, anomalies, and optimization opportunities using data insights and feedback.
- Translate analytical findings into actionable changes — from configuration updates to policy refinements.
- Collaborate with risk strategy and operations teams to evaluate the impact of tuning and policy changes.
- Prioritize and manage a backlog of performance improvement initiatives in line with overall FinCrime strategy.
- Cross-functional Collaboration
- Partner with engineering to ensure smooth vendor integrations and maintenance.
- Collaborate with legal and compliance teams on regulatory requirements and audit readiness.
- Support fraud operations, AML analysts, and customer support teams to improve workflows and reduce manual tasks.
What We’re Looking For
- 4+ years in product ownership, product strategy, or risk/fraud management within fintech, e-money institutions, payments, or banking.
- Strong exposure to AML/KYC, fraud management, or transaction monitoring tools.
- Experience working with vendors and third-party SaaS risk platforms.
- Product thinking – able to translate risk and compliance requirements into measurable outcomes.
- Analytical mindset – confident interpreting data to drive decisions.
- Familiarity with fraud prevention, transaction monitoring, or AML case management systems.
- Systems thinking – understands how tools interconnect to form a complete fraud and fincrime defense layer.
- Excellent communication skills – able to collaborate effectively across product, operations, and compliance.
- Outcome-focused – balancing protection with a great customer experience.
What We Offer
- Fully remote work – from anywhere in the UK or EU.
- Full-time cooperation (employment contract or B2B).
- Stable, long-term collaboration in a growing international fintech company.
- Real opportunities for professional growth and promotion.
- Regular team meetings and company events.
- Premium plan in the ZEN.COM app.
- All necessary equipment shipped directly to you.
Apply now and let’s grow together with ZEN.COM.
Product Owner - FinCrime & Fraud Management (Worldwide/remote) employer: ZEN
Contact Detail:
ZEN Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Product Owner - FinCrime & Fraud Management (Worldwide/remote)
✨Tip Number 1
Network like a pro! Reach out to people in the fintech space, especially those who work at ZEN.COM or similar companies. A friendly chat can open doors and give you insights that might just land you an interview.
✨Tip Number 2
Show off your skills! Prepare a portfolio or case studies that highlight your experience in product ownership and fraud management. This will help you stand out and demonstrate your value to potential employers.
✨Tip Number 3
Be proactive! Don’t just wait for job openings to pop up. Reach out directly to ZEN.COM and express your interest in the Product Owner role. Sometimes, a little initiative goes a long way!
✨Tip Number 4
Stay updated on industry trends! Follow fintech news and developments in fraud management. Being knowledgeable about the latest tools and strategies will impress interviewers and show you're passionate about the field.
We think you need these skills to ace Product Owner - FinCrime & Fraud Management (Worldwide/remote)
Some tips for your application 🫡
Tailor Your CV: Make sure your CV reflects the skills and experiences that match the Product Owner role. Highlight your experience in product ownership, risk management, and any relevant fintech knowledge to catch our eye!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about fraud management and how your background makes you the perfect fit for our team at ZEN.COM.
Showcase Your Analytical Skills: Since this role involves a lot of data interpretation, don’t forget to mention specific examples where you've used data to drive decisions. We love seeing how you can turn insights into action!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets to us quickly and efficiently. Plus, we can’t wait to see what you bring to the table!
How to prepare for a job interview at ZEN
✨Know Your FinCrime Basics
Make sure you brush up on your knowledge of financial crime and fraud management. Understand the key concepts, tools, and regulations in the fintech space. This will not only help you answer questions confidently but also show your genuine interest in the role.
✨Showcase Your Analytical Skills
Prepare to discuss how you've used data to drive decisions in past roles. Think of specific examples where your analytical mindset led to measurable outcomes, especially in risk or fraud management. This will demonstrate your ability to translate complex data into actionable insights.
✨Understand Vendor Management
Familiarise yourself with vendor interactions and how they fit into the product ecosystem. Be ready to talk about your experience working with third-party SaaS platforms and how you've ensured their effective integration and usage in previous roles.
✨Communicate Effectively
Practice articulating your thoughts clearly and concisely. Since this role involves cross-functional collaboration, be prepared to discuss how you've worked with different teams, such as engineering and compliance, to achieve common goals. Good communication can set you apart!
