Product Lead, Payments Risk

About Rippling

Rippling gives businesses one place to run HR, IT, and Finance. It brings together all of the workforce systems that are normally scattered across a company, like payroll, expenses, benefits, and computers. For the first time ever, you can manage and automate every part of the employee lifecycle in a single system.

Take onboarding, for example. With Rippling, you can hire a new employee anywhere in the world and set up their payroll, corporate card, computer, benefits, and even third-party apps like Slack and Microsoft 365all within 90 seconds.

Based in San Francisco, CA, Rippling has raised $1.4B from the worlds top investorsincluding Kleiner Perkins, Founders Fund, Sequoia, Greenoaks, and Bedrockand was named one of America's best startup employers by Forbes.

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Ripplings financial platform moves billions of dollars every monthpaying employees, managing benefits, funding accounts, and powering businesses globally. As the Product Lead for Payments Risk, you will own the controls, systems, policies, and automation that ensure the safety, integrity, and compliance of those flows.

Youll partner closely with the Risk, Compliance, and Data Science teams to design and deliver tools, rules engines, and integrations that detect and prevent fraud, assess credit risk, and maintain AML compliance. This includes building out a modern infrastructure for automated underwriting, transaction monitoring, and AI/ML-driven risk evaluation across Ripplings suite of products.

Your work will directly shape how Rippling balances rapid innovation with financial integrityensuring that every transaction and account on the platform is both seamless and secure.

• Own the product vision and roadmap for Ripplings risk, compliance, and underwriting decisioning systems
• Design and scale internal tools and automation frameworks to support credit evaluations, fraud detection, and AML compliance, across all of Ripplings financial products
• Build a unified payments risk platform that includes case management, rules engines, transaction monitoring, and sanctions screening systems
• Implement ML and AI-based systems to power real-time risk scoring, anomaly detection, and dynamic underwriting decisions
• Work closely with Risk and Compliance stakeholders and represent the user in discussions around policy implementations and regulatory frameworks
• Lead data and engineering teams to improve financial integrity through better signals, models, and data pipelines
• Work cross-functionally across product, finance, and operations to align risk mitigation with customer experience and product velocity

• 5 years of product management, operations, and/or founding experience
• 3 years working in payments or fintech, or otherwise working in decisioning systems, data pipelines, or general platform capabilities that directly affect user experiences.
• Ability to understand credit risk, fraud risk, AML policies, and financial controls
• Self-starter with a bias towards action and ability to thrive in a fast-paced environment
• Willingness to work on multiple products and features at once, across teams
• Thrives in understanding complexity and transforming it into simple user experiences
• Deep technical, analytical, and problem solving skills
• Exceptional interpersonal communication & organizational skills
• Strong ability to motivate and inspire people to do their best work
• Relentlessly focused on customers needs
• Strong alignment with Rippling's leadership principles, particularly Push the limits of possible, Challenge each other directly, and Go and see

Rippling is an equal opportunity employer. We are committed to building a diverse and inclusive workforce and do not discriminate based on race, religion, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression, age, sexual orientation, veteran or military status, or any other legally protected characteristics. Rippling is committed to providing reasonable accommodations for candidates with disabilities who need assistance during the hiring process. To request a reasonable accommodation, please email

Rippling highly values having employees working in-office to foster a collaborative work environment and company culture. For office-based employees (employees who live within a defined radius of a Rippling office), Rippling considers working in the office, at least three days a week under current policy, to be an essential function of the employee's role.

This role will receive a competitive salary benefits equity. The salary for US-based employees will be aligned with one of the ranges below based on location; see which tier applies to your location here. A variety of factors are considered when determining someones compensationincluding a candidates professional background, experience, and location. Final offer amounts may vary from the amounts listed below.

• San Francisco, CA