Product Manager, Card Issuing Risk (Digital Assets)

J&L Apex Advisory is partnering with a Singapore-headquartered digital asset financial services group on a key hire for its card business. They are scaling their card issuing programme and need a product manager to own issuing-side risk. That covers authorisation rules, limits, step-up verification and the post-transaction review process.

What you'll be doing

• Owning the card issuing risk product roadmap: real-time authorisation rules, static and dynamic limits, velocity checks and anomaly alerts
• Tuning rules and thresholds to reduce fraud without driving up false declines, and reporting on both
• Designing differentiated controls by customer segment, card type and transaction scenario, including when to trigger 3DS
• Building the post-transaction side with the risk operations team: alert routing, case management, review and unblock workflows
• Covering settlement-related exposure, including authorisation holds, offline and force-posted transactions, and FX movement between authorisation and settlement
• Working with data and engineering to keep the decisioning engine stable and the portfolio within Visa, Mastercard and BIN sponsor fraud requirements
• Exploring ML models to improve detection of fraud rings and unusual patterns, and to reduce manual review volume

What we're looking for

• 3+ years in product management across payment risk, card issuing or digital banking
• Hands-on experience on the issuing side: authorisation rules, transaction monitoring or anti-fraud systems you have taken to production
• Comfortable designing limit matrices, frequency rules, identity verification flows and risk thresholds
• Strong SQL, able to pull the data yourself to investigate decline patterns and check rule performance.
• Experience working through risk ops, compliance, data and engineering in a regulated environment
• A working understanding of how crypto operates
• Bachelor's in relevant specialization from renown universities.
• Crypto card, Web3 payments or on/off-ramp experience
• Card issuing builds or integrations with Card-as-a-Service providers
• Built a risk engine or case management tool from scratch
• Exposure to Ethoca or Verifi, and to network dispute and chargeback processes

About the client

A Singapore-headquartered digital asset financial services group, licensed and regulated across Asia, Europe and North America. The client name will be shared at first conversation when shortlsited by J&L Apex Advisory.

If you are interested, please apply or send a CV or drop me a message at [Confidential Information].

All conversations are kept confidential.

J&L Apex Advisory Pte. Ltd. | EA Licence No. 26S3529 | EA Personnel Registration No. [R1329267]