Technical Product Manager - Risk, Trust & Vault

Remote in Europe, Full Time, Senior-level experience
Who We Are
Yuno is the AI-native operating system of global commerce, powering the financial infrastructure of enterprise merchants, banks, and wallets. With a single API, Yuno connects them to pay-ins, payouts, fraud prevention, KYC/KYB, and stablecoins globally, so they can operate everywhere with a single integration.
Agnostic by design, Yuno offers connectivity to 1,000+ payment methods and 460+ integrations in 190+ countries, optimizing acceptance rates, reducing costs, and strengthening security through specialized AI agents that learn from every transaction on the network. Global brands run their payments on Yuno, including Arcos Dorados (McDonald's), NetEase Games, GoFundMe, inDrive, and Rappi. Banks, acquirers, PSPs, and wallets use Yuno to modernize their infrastructure without replacing core systems and to prepare for the next generation of commerce, including agentic payments.
About The Role
Yuno is moving toward its 2030 Vision: becoming the autonomous, programmable operating system for global commerce.
We are looking for a highly technical, execution-focused Technical Product Manager (TPM) to serve as the Single Threaded Leader (STL) for RAILS — the core transaction path that carries every payment from the moment it enters our systems to the moment funds are settled and secured. This is a broad, foundational mandate spanning five interlocking domains: Connectivity, Payment Orchestration, Transaction Core, Money Operations, and Risk, Trust & Vault. In this role, you sit at the critical intersection of deep technology and business value, defining the end-to-end building blocks required to scale payment execution, money movement, and fraud/PCI protection across Yuno's 11 domains.
You are not a backlog manager; you are a “Maker-to-Governor.” You will move between defining product strategy, shaping technical direction, and ensuring reliable operation in production. You possess a sharp product sense and own the end-to-end delivery process for the entire transaction rail within our Agentic Integration Platform. You will lead an autonomous, cross-functional domain pod (or a coordinated set of pods) to build robust, headless capabilities in an environment where resilience, reliability, and operational excellence are non-negotiable. Crucially, you will champion a “You Build It, You Run It” (YBIYRI) engineering culture, ensuring that every component your team delivers — from provider connectors to the card vault — is bank-grade, resilient, and fully owned from code to production.
RAILS: What This Mandate Owns
RAILS is the core transaction path — the value chain a payment travels end-to-end. As the STL across this mandate, you will own the roadmap, architecture, and operational health of the following five domains:

Domain
What It Owns
1 · Connectivity
Every integration to external providers and payment methods: adapters, webhooks, credentials and provider certification, built on one shared framework with per-provider config.
2 · Payment Orchestration
Decides how each payment is executed: smart routing across providers, retries, failover and client-configurable rules — to maximize approval rate and minimize cost.
3 · Transaction Core
The state machine every payment runs through: authorize, capture, refund, void, chargeback. Owns the canonical transaction model, idempotency and event emission.
4 · Money Operations
Where money actually moves after authorization: settlement, payouts, reconciliation against provider reports, fees, billing and ledger correctness.
5 · Risk, Trust & Vault
Fraud screening, risk scoring and 3DS, plus the card vault: tokenization and secure card storage. The PCI-scoped domain, kept deliberately isolated.
Your contribution will be
Own single-threaded leadership (STL): Serve as the accountable product leader for the transaction rail, driving alignment, prioritisation, and execution across all teams involved in the payment lifecycle.
Think end-to-end across the value chain: Understand and optimize the handoffs between domains — how a routing decision in Payment Orchestration affects approval rates, how the Transaction Core's state machine feeds Money Operations' reconciliation, and how Risk, Trust & Vault gates every authorization.
Drive agentic strategy: Define the “what” and “why” for platform features that move client onboarding toward low-to-no coding effort, from provider certification to routing rules.
Protect the stability floor: Enforce a “Stop the Line” mentality for quality, maintaining a Stability Floor of highly automated quality assurance across every domain in the rail.
Provide cross-functional leadership: Lead a high-ownership set of pods staffed with elite engineers across the five domains, partnering with Staff Engineers and the CTO Office to eliminate silos.
Embed a YBIYRI culture: Evangelize and operationalize the YBIYRI mindset across all five domains, ensuring teams design for multi-tenancy, elastic scaling, and automated observability.
Prioritize with evidence: Use the RICE framework to turn ambiguous, cross-domain requirements into a single, structured, executable roadmap that balances architectural integrity against market opportunism.
Skills You Need
Minimum Qualifications
Deep technical foundation: Strong understanding of cloud-native architectures, distributed systems, APIs, event-driven platforms, and modern software engineering practices (Cloud-native/Serverless, Kotlin/Go, gRPC/REST).
Platform-as-a-Product experience: Proven experience building foundational platform capabilities or complex distributed systems spanning multiple interdependent domains — ideally payments routing, transaction processing, settlement, or fraud/risk infrastructure.
Execution mastery: Track record of driving delivery velocity across a wide surface area, unblocking engineering teams, managing dependencies across many domains, and optimizing DORA metrics.
The “Maker” mindset: Preference for clean, modular architecture over monolithic shortcuts, especially when coordinating multiple interlocking domains.
Commercial sharpness: Ability to articulate technical trade-offs (e.g., tech debt vs. feature velocity, approval rate vs. cost) to executive stakeholders and translate growth goals into technical requirements.
Preferred Qualifications
Domain familiarity: Working knowledge of payment provider integration patterns, smart routing/retry logic, transaction state machines, settlement/reconciliation, and PCI-scoped fraud and vaulting systems.
What We Offer at Yuno
Competitive Compensation
Remote Work – You can work from everywhere!
Home Office Bonus – A one-time allowance to help you create your ideal home office.
Work Equipment
Stock Options
Health Plan wherever you are.
Flexible Days Off