Lead Product Manager (Compliance and Fraud)

WHO WE ARE:

Zinnia is the leading technology platform for accelerating life and annuities growth. With innovative enterprise solutions and data insights Zinnia simplifies the experience of buying selling and administering insurance products. All of which enables more people to protect their financial futures. Our success is driven by a commitment to three core values: be bold team up deliver value and that we do. Zinnia has over $180 billion in assets under administration serves 100 carrier clients 2500 distributors and partners and over 2 million policyholders.

WHO YOU ARE:

Zinnia is seeking a Lead Product Manager to drive the evolution of our compliance and fraud prevention capabilities across our life and annuity product ecosystem. This role will shape how we embed intelligent scalable safeguards that prevent illicit activity detect suspicious behavior and ensure we meet the expectations of a tightly regulated partner across product data engineering risk and legal to deliver customer-focused solutions that balance protection regulatory alignment and seamless experiences. Life and annuity domain knowledge is not required but you should bring proven success managing complex product capabilities inregulated fraud-sensitive financial environments.

WHAT YOULL DO:

• Own the product strategy roadmap and delivery ofcompliance AML and fraud detectioncapabilities within a modern insurance platform.
• Build and enhance controls across the policy lifecyclefrom onboarding and payment intake to servicing surrender and disbursementwith fraud and regulatory alignment at every touchpoint.
• Develop intelligent monitoring systems that detect suspicious transaction patterns (e.g. unusual funding beneficiary manipulation synthetic identities rapid movement of funds) and support rule-based or ML-driven alerting.
• Define and deliver AML/KYC features such as identity verification sanctions/PEP screening enhanced due diligence workflows and audit traceability.
• Collaborate with Compliance Legal and Operations to translate regulatory requirements into scalable productized features aligned with BSA/AML OFAC SEC NAIC and GLBA/CCPAframeworks.
• Guide integrations with external fraud AML and identity platforms (e.g. Alloy Socure ComplyAdvantage) optimizing automation and performance.
• Build internal tools for case management escalation workflows and alert resolution supporting real-time decisioning and investigation by compliance analysts.
• Drive a culture of risk-aware product development including data governance secure customer data handling and detailed incident response procedures.
• Support fraud and AML incident response including root cause analysis impact reporting and long-term mitigation planning.
• Stay current on regulatory shifts and fraud trends to inform strategy priorities and capability design.

WHAT YOULL NEED:

• 10 years of experience in product management with direct ownership of features tied to fraud prevention AML KYC risk management or regulatory compliance in fintech banking payments or adjacent fields.
• Strong understanding of fraud prevention techniques and tools including transaction monitoring behavioral analytics identity verification device intelligence and threat modeling.
• Familiarity with relevant regulations and industry standards (e.g. BSA/AML USA PATRIOT Act OFAC GDPR CCPA GLBA SEC/FINRA).
• Experience integrating third-party compliance/risk tools via APIs; comfort designing and owning vendor-driven workflows.
• Ability to collaborate deeply across legal security engineering and data teams with strong documentation and stakeholder communication skills.
• Technical literacy in secure architecture data pipelines and basic SQL or BI tools to support investigation tuning and decision-making.
• Process-minded with a knack for building scalable policy-aligned systems that support both business goals and regulatory obligations.

BONUS POINTS:

• Experience designing product capabilities forcomplex user journeys such as account origination financial product onboarding or multi-party data workflows.
• Familiarity with fraud vector detection forsynthetic identity account takeover payment fraud or agent/broker manipulation.
• Certifications such asCAMS CFE CFCS or CISA.
• Prior work with or understanding of life insurance annuities or wealth management platforms

WHATS IN IT FOR YOU

Zinnia offers excellent career progression and competitive compensation. We offer great benefits including health/dental insurance parental leave profit sharing 401(k) incentive/bonus opportunity tuition reimbursement and so much more. The expected salary range for this position is $160000 - $180000 dependent on skills and location. The salary range is a good faith estimate based on what a successful candidate might be paid in certain Company locations. All offers presented to candidates are carefully reviewed to ensure fair equitable pay by offering competitive salaries that align with the individuals skills education experience training and geographic location and may be above or below the stated amounts. Were looking for the best and brightest innovators in the industry to join our team. At Zinnia you collaborate with smart creative professionals who are dedicated to delivering cutting-edge technologies deeper data insights and enhanced services to transform how insurance is done. Visit our website at for more information. Apply by completing the online application on the careers section of our website. We are an Equal Opportunity employer committed to a diverse workforce. We do not discriminate based on race religion color national origin gender sexual orientation age marital status veteran status or disability.

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