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 industry. You’ll 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 in regulated, fraud-sensitive financial environments.

WHAT YOU’LL DO:

• Own the product strategy, roadmap, and delivery of compliance, AML, and fraud detection capabilities within a modern insurance platform.
• Build and enhance controls across the policy lifecycle—from onboarding and payment intake to servicing, surrender, and disbursement—with 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/CCPA frameworks.
• 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 YOU’LL 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 for complex user journeys, such as account origination, financial product onboarding, or multi-party data workflows.
• Familiarity with fraud vector detection for synthetic identity, account takeover, payment fraud, or agent/broker manipulation.
• Certifications such as CAMS, CFE, CFCS, or CISA.
• Prior work with or understanding of life insurance, annuities, or wealth management platforms 

WHAT’S 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 $160,000 - $180,000 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 individual’s skills, education, experience, training, and geographic location and may be above or below the stated amounts. We’re 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 www.zinnia.com 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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