Product Owner

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.
• Employee referral bonuses.
• 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.