About Shine
Shine is the financial copilot for entrepreneurs and small business owners. Founded by serial entrepreneurs Rico Andersen and Martin Hegelund, Shine is a leading European fintech unicorn on a mission to restore the joy of running a business, by ending wasted time on financial admin. Shine offers a connected solution for invoicing, accounting, payroll, business accounts, payments, and financing, meaning business owners can focus their energy on growing a healthy business, not held back by manual admin.
Responsibilities
•Own the AML and fraud roadmap. Set the strategy for risk scoring, transaction monitoring, sanctions and PEP screening, and real-time fraud detection, and decide what we build, buy or change in each area.
•Run the team on outcomes. Define KPIs such as false positive rate, fraud loss rate, time to resolve a case, and the share of alerts closed without manual review, and tie every project to at least one of them.
•Turn regulation into scoped work. Follow regulatory change in our four markets, including the EU AML package and the payment rules on fraud and strong authentication, and translate each change into work with an owner and a date.
•Make security proportionate to risk. Shape the customer experience of strong authentication, phishing protection and account alerts so that friction rises only where risk rises.
•Build the back-office tools with the analysts. Sit with the people who work the alerts and cases, measure where their time goes, and ship tooling that removes the slowest steps.
•Work with engineering on data and detection. Own the trade-offs between rules and models, data quality, and where AI can triage alerts, with explainability and an audit trail a regulator can inspect.
•Set the strategic direction for our transaction monitoring and behavioral analytics across countries.
•Partner with compliance leadership. Write requirements that hold up in an audit, and give compliance officers the evidence they need to approve changes quickly.
•Drive discovery and delivery. Talk to customers and analysts every week, look for fixes that solve several problems at once, and mix structural improvements with quick wins.
•Manage incidents. Lead the product response to fraud spikes, alert backlogs and detection failures, and follow up until the root cause is fixed.
Requirements
•5+ years as a Product Manager in a start-up or scale-up, with banking or fintech as a strong plus
•Experience building AML, fraud, KYC, transaction monitoring or sanctions screening products, or comparable risk products in payments or marketplaces
•Proven expertise in product discovery, delivery and data analysis, including pulling and reading the data yourself to size a problem
•Working knowledge of system architecture, data pipelines, rules engines or machine learning based detection
•Experience managing incidents and bugs and holding a high bar for operational reliability
•Comfort in a regulated environment where requirements change and not everything is defined up front
•Ability to work with compliance officers and fraud analysts and to make decisions with them on incomplete evidence
•A strong product mindset
•Fluent in English
Nice to have
•French, German, Dutch or Danish
What we offer
•Impact: This team is foundational to ensuring multiple aspects of Shine's business is operating as the best on the market.
•Ownership: Join a team and help shape its mission just as it's getting started, with support from experienced leaders.
•Innovation: Work in a dynamic, ambitious environment with space to grow and try our ideas and approaches.
•Mission-driven: Help entrepreneurs succeed by giving them better, smarter banking and administrative tools.
