Product Manager - Risk Experiences

Innovate with purpose At BILL, we believe in empowering the businesses that drive our economy. By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations. And we don’t stop there: we’re creating the future of financial automation so businesses can spend more time on what matters. Working here means you become part of a vision-driven team that’s ready to tackle challenges and build cutting-edge solutions. We value purpose, drive, and curiosity—and we thrive in a fast-paced, ever-changing environment. We're remote-first, with office spaces in San Jose, CA and Draper, UT — and opportunities to connect in person when it counts. BILLders collaborate to deliver real impact for businesses that need more time in their busy weeks. BILL builds high performing teams and we seek to hire the best talent for every role. We're committed to building a workplace that fosters inclusion and diverse perspectives, valuing each person’s unique skills and experiences. We’d love to hear from you—you might be just what we’re looking for, whether in this role or another. ✨ Let’s give businesses more time for what matters. Make your impact within a rapidly growing Fintech Company Join BILL as a Product Manager on our Risk Product team and help shape how customers and employees experience risk at BILL. Every day, legitimate businesses hit a verification step, a payment hold, a limit, or a review. Our Risk Product team owns both sides of that moment: the customer-facing Risk Experiences that explain what is happening and get customers moving again, and Risk Central, the fraud monitoring and case management platform that Risk Operations rely on to review alerts across AP, AR, and Spend & Expense. In this role, you'll own a defined part of the Risk Experiences and Risk Central roadmap, taking features and workflows from problem definition through launch and iteration while partnering closely with design, engineering, risk operations, and risk strategy. Your work will make risk moments clear and quick for the SMBs who rely on BILL to pay vendors, collect from customers, and manage spend, and will help analysts review cases faster and with fewer errors, so fewer legitimate customers get held up and fewer fraudulent accounts get through. Responsibilities: - Own a defined area of the Risk Experiences and Risk Central roadmap, such as customer verification and document collection flows, hold and review notifications, self-service resolution, analyst queues, or case workflows, from discovery through launch and iteration. - Design customer-facing risk experiences that reduce friction, confusion, and drop-off for legitimate businesses while holding the line on fraud, partnering with design on flows, messaging, and in-product communication. - Write clear product requirements, user stories, success metrics, and rollout plans that engineering teams can build from. - Partner with risk operations, customer support, and risk strategy to understand where customers get stuck and how analysts work, and turn both into prioritized improvements. - Drive day-to-day execution with engineering across sprint planning, dependency tracking, and launch readiness, including consolidating legacy case workflows into Risk Central. - Define and track metrics for your area, including customer-side measures such as verification completion, time to resolution, and support contact rate, and operations measures such as review time, error rates, and queue backlog, balanced against fraud loss and false positives. - Draft a half-year roadmap proposal for your area and raise risks early, with options for how to handle them. - Use data, customer research, and analyst feedback to decide what to build next, running before and after analysis on every release. - Use AI tools in your daily work for research, writing, and analysis, and help evaluate where automation or agents can resolve customer cases faster or remove manual analyst steps. We'd love to chat if you have: - 2+ years of product management experience shipping software with engineering and design teams, including owning a feature or workflow end to end. - Experience shipping customer-facing product experiences, including working with design and research to improve a multi-step flow. - Experience writing product requirements, user stories, and success metrics that teams can build from without heavy rework. - Comfort using data to size problems and measure outcomes, including pulling your own reports in tools such as SQL, Tableau, or Mixpanel. - A track record of working with engineering, operations, and other partners to land launches and surface risks early. - Strong written communication, including the ability to document decisions clearly for technical and non-technical readers. - Curiosity about fraud, risk, and payments, and a willingness to learn how analysts make review decisions and how customers experience them. Desired Qualifications: - Experience with onboarding, identity verification, KYC/KYB, or trust and safety experiences in a consumer or SMB product. - Experience building tools for internal users such as operations, support, or risk analysts, including case management or queue-based workflows. - Background in fintech, payments, fraud, identity, or risk products. - Experience with AI-assisted or agent-based workflows, either building them or using them daily. Please note that this position is not eligible for visa sponsorship. Applicants must have authorization to work in the United States without requiring visa sponsorship now or in the future. #LI The estimated salary range for this role is noted below for our San Jose based role. Our ranges for each role and job level are based on a variety of factors including candidate experience, expertise, and geographic location and may vary from the amounts listed above. The role is also eligible for a competitive benefits package that includes: medical, dental, vision, life and disability insurance, 401(k) retirement plan, flexible spending & health savings account, paid holidays, paid time off, and other company benefits. San Jose pay range $117,900—$141,500 USD The estimated base salary range for this role is noted below for our office location in Draper, UT. Additionally, this role is eligible to participate in BILL’s bonus and equity plan. Our ranges for each role and job level are based on a variety of factors including candidate experience, expertise, and geographic location and may vary from the amounts listed above. The role is also eligible for a competitive benefits package that includes: medical, dental, vision, life and disability insurance, 401(k) retirement plan, flexible spending & health savings account, paid holidays, paid time off, and other company benefits. Draper UT pay range $100,200—$120,300 USD What’s in it for you? Redefining how businesses automate their work is a fast-paced, exciting, and fun environment. But we also have benefits and perks to ensure the magic isn’t only experienced by our customers, but by our employees as well. Here is a preview of some of the amazing benefits here at BILL: - 100% paid employee health, dental, and vision plans (choose HMO, PPO, or HDHP) - HSA & FSA accounts - Life Insurance, Long & Short-term disability coverage - Employee Assistance Program (EAP) - 11+ Observed holidays and wellness days and flexible time off - Employee Stock Purchase Program with employee discounts - Wellness & Fitness initiatives - Employee recognition and referral programs - And much more Don’t believe us? Check out our culture, benefits, and teams on our career site, LinkedIn Life, or YouTube pages. BILL is an Equal Opportunity Employer. We believe our best ideas come from the unique stories, perspectives, and experiences of our team members. We welcome people of all backgrounds, abilities, and identities to bring their authentic selves and contribute to our culture. We are committed to a transparent, inclusive hiring process that reflects our values. If you need accommodations at any stage, please contact interviewaccommodations@hq.bill.com. To ensure a fair evaluation, our Candidate Integrity Policy prohibits the use of unapproved external assistance, including generative AI, during live interviews or assessments. Doing so will result in a review and potential disqualification. Our Applicant Privacy Notice describes how BILL treats the personal information it receives from applicants.