About Coinflow

Coinflow is the next-generation payment service provider revolutionizing global financial infrastructure with stablecoins, AI-driven fraud prevention, and instant settlement. Coinflow enables businesses to grow faster with instant settlement, fraud & chargeback indemnity, global pay-ins, multi-currency FX, and unified payouts. Founded in 2023, the company serves marketplaces, fintechs, remittance providers, gaming platforms, and ecommerce merchants worldwide.

Since our seed round in 2024, we’ve achieved 23x revenue growth and scaled to multi-billion-dollar annual transaction volume. In response to this growth, Coinflow announced a $25M Series A in October 2025—led by Pantera Capital, CMT Digital, Coinbase Ventures, Jump Crypto, and Reciprocal Ventures—accelerating our mission to power the world’s fastest-moving businesses with innovative, reliable global payments.

Coinflow is proudly headquartered in Chicago, IL. Learn more at coinflow.cash.

Role Overview

We're hiring a Product Manager to own a high-impact surface area across our risk and compliance infrastructure — and grow into a generalist across the broader product org.

This role sits at the center of:

• Risk and compliance tooling — internal systems used by our compliance, underwriting, and operations teams

• Fraud and decisioning infrastructure — the systems that protect the platform and merchants at scale

• Vendor and banking partner onboarding — owning the end-to-end process of procuring and implementing new payment providers, banks, and networks; coordinating requirements across engineering, legal, compliance, and operations to get partners live

You'll work closely with engineering, data, operations, and our compliance team to design and ship tools that make our internal teams faster, our risk decisions smarter, and our platform more defensible.

This is a high-ownership, high-ambiguity role. You'll be expected to operate with limited structure, identify problems before they're handed to you, and drive execution end-to-end.

What You'll Do

• Own internal tooling for risk and compliance — identify gaps in how our internal teams work, and build systems that make them faster and more accurate

• Drive process clarity through product — translate ambiguous, manual workflows into structured, scalable tools

• Build risk-adjacent product — case management, onboarding flows, decisioning logic, fraud reporting surfaces

• Own global payments vendor procurement — research and identify pay-in and payout providers across target markets; run structured evaluations across pricing, coverage, compliance posture, and technical fit; drive MSA and legal review; and own the vendor relationship post-onboarding

• Work directly with engineering and data — turn complex operational requirements into clear, shippable product

• Contribute across the product org — as you ramp, take on generalist product work across pay-in, payout, and orchestration beyond the risk surface

• Drive decisions with data — analyze performance, surface insights, and iterate quickly

About You

• Extremely high bias for action — you move fast, default to building, and unblock yourself

• Operationally fluent — you can sit with a compliance analyst or underwriter, understand their workflow in depth, and translate that into product requirements

• Very detail-oriented — you think through edge cases, failure modes, and the messy realities of how internal teams actually work

• Obsessed over customer experience — You are obsessed with customer experience and want to deliver world class UI/UX internally or externally

• Deeply data-driven — you rely on metrics, not intuition, to make decisions

• Genuinely interested in payments and risk — you want to work on hard, high-stakes problems

• Commercially and operationally fluent across payments rails — you understand how different pay-in and payout providers work, what makes one better than another in a given market, and how vendor selection affects pricing, compliance exposure, and product capability

• Builder mindset — you take real ownership and treat the product like it's yours

Nice to Have

• Experience in payments, fintech, or financial infrastructure

• Experience building internal tooling or operational products

• Experience in global payments vendor procurement or partnerships

• Exposure to compliance, fraud, underwriting, or risk workflows

• Experience working with data or ML-driven products

What You Need

• 4+ years of product management experience

• Track record of shipping end-to-end — from ambiguous problem to production

• Comfortable owning a problem space without a roadmap handed to you

• Strong communication skills and ability to work across technical and non-technical stakeholders

Why Coinflow

• Work on systems that matter — internal tools that power how real risk decisions get made

• Direct exposure to payments infrastructure, compliance, and fraud at scale

• Small, high-caliber team where you'll have real ownership from day one

• Fast execution environment — what you ship will be in production quickly

The base salary range for this role is $150,000 - $200,000 USD. The actual base salary offered depends on a variety of factors, including but not limited to experience, education, skills, qualifications and business needs.

In addition, the employee who fills this role will be eligible for an equity grant, allowing you to share in the long-term success of the company. You will also have access to a wide array of benefits, including health and wellness benefits, 401(k) savings plan, and flexible time off.

Join the team rewriting how money moves worldwide—and become a driving force in the $194 trillion cross-border payments market.