Senior Product Manager, AI Risk & Onboarding

About Airwallex Airwallex is the AI-native financial operating system for a real-time, intelligent economy. More than 676,000 businesses, including McLaren Racing, Qantas, SHEIN, and TikTok, use us, directly or through our platform partners, to run their financial operations or build and monetize financial products of their own. We started in Melbourne in 2015 to build the infrastructure global commerce runs on. We're the regulated backbone behind global payments: not by accident, but by design. A decade plus, 85+ licenses, and a financial infrastructure spanning North America, Europe, the Middle East, and Asia-Pacific. We're co-headquartered in San Francisco and Singapore, with more than 2,300 people across 27 offices. We hire builders with founder-level energy, people who move fast with good judgment, dig in with real curiosity, and make calls from first principles rather than waiting to be told what to do. Read our operating principles to see it in full. About the team The Product team at Airwallex is a group of passionate builders and problem-solvers who are obsessed with crafting customer-centric solutions that empower businesses to operate anywhere, anytime. We combine technical expertise with a deep understanding of our customers’ needs to design and build unified, intuitive and scalable products. As a team, we thrive in a collaborative and fast-paced environment. We constantly iterate, challenge conventional thinking and push boundaries to deliver exceptional product experiences for businesses around the world. About the role As the Senior Product Manager, AI Risk & Merchant Onboarding, you will shape the first and most important interactions that businesses have with Airwallex. You will own the strategy for creating a fast, intelligent and trusted onboarding experience—one that helps legitimate merchants get started quickly while identifying and responding to fraud and other risks proactively. You’ll help build an AI-native risk system that can understand a merchant’s business, open new sources of insight and make smarter decisions in real time. Your work will sit at the intersection of onboarding, fraud prevention, payments, artificial intelligence and merchant experience. You will also help optimise payment-method recommendations by balancing risk, cost, payment conversion and the overall experience for merchants and their customers. What you’ll do Own the product strategy and roadmap for merchant onboarding, risk decisioning and related merchant experiences. Map and optimise the end-to-end journey from discovery and sign-up through verification, activation and product adoption. Build AI-powered capabilities that can interpret merchant business context, surface relevant signals and detect emerging risk patterns earlier. Partner with Engineering, Data Science and Risk teams to develop AI agents that identify compromised accounts, illegal or prohibited selling activity and other suspicious behaviour. Turn AI-generated insights into real-time actions through fraud and risk models, including intelligent step-ups, reviews, restrictions or approvals where appropriate. Design risk experiences that proactively protect Airwallex and its customers while minimising unnecessary friction for legitimate merchants. Develop intelligent payment-method recommendations that balance fraud risk, processing cost, payment conversion rate and merchant experience. Use data, analytics and customer research to identify onboarding and payment pain points, define success metrics and prioritise opportunities. Design and run experiments, including A/B tests, to improve onboarding UX, verification outcomes, activation and conversion. Establish clear feedback loops between product performance, model outcomes, operational review and merchant experience. Communicate product strategy, trade-offs and results clearly to technical and non-technical stakeholders, including senior leadership. What success looks like More legitimate merchants complete onboa