Fraud Risk Manager Jobs in Tracy, CA (NOW HIRING)

About Blackhawk Network:
Today, through BHN's single global platform, businesses of all kinds can tap into the world's largest network of branded payment solutions. BHN helps businesses grow revenue, increase loyalty, motivate and reward their teams, disburse funds and engage consumers. Branded payment solutions include the issuance and distribution of gift cards, egifts, corporate payouts and rewards, along with the technology to deliver these products in seamless, integrated ways. BHN's network spans the globe with more than 400,000 consumer touchpoints. Learn more at BHN.com.
Hybrid flexibility: At Blackhawk Network, you'll enjoy the best of both worlds-focused remote work plus in-person collaboration on Tuesdays and Wednesdays, our regular in-office days at our Pleasanton headquarters. This rhythm gives you the tools, connection, and autonomy you need to make a real impact.
Overview:
We're building the future of branded payouts at scale. We are scaling our already successful disbursements and payouts business into a strategic growth pillar with ambitious revenue targets. We're seeking an exceptional Principal Product Manager to lead product strategy, roadmap development, and go-to-market execution for this high-impact initiative. This is a rare opportunity to shape the future of a multi-hundred-million-dollar business line at a company with proven platform scale and market leadership.
You'll set the vision and strategy for our payment platform, overseeing the complete lifecycle from ideation through launch and optimization. This means owning everything: transaction processing, fraud prevention, API architecture, digital wallets, and the infrastructure that powers millions of payouts. You'll drive both growth and profitability, leading cross-functional teams across engineering, marketing, and risk while ensuring regulatory compliance and partnering with banks, fintechs, and payment networks to innovate in high-growth areas like B2B payments, cross-border transactions, and fleet payments.
Your work will directly impact how millions of people receive money-gig workers getting paid, customers receiving refunds, employees earning bonuses, creators getting compensated. If you've shipped payments products at scale and want to lead something transformational, this is your moment. Note: This is a hybrid role, with two days a week in our Pleasanton, CA office.
Responsibilities:
Shape Strategy & Drive Revenue

• Define the 3-5 year product vision, strategy and roadmap for a multi-billion dollar business line with senior executive visibility and engagement

• Identify winning verticals and use cases where BHN dominates the market

• Design pricing, packaging, and bundling strategies that accelerate growth

• Own P&L performance-revenue, EBITDA, margin optimization, and KPI accountability

• Present strategy to executives and influence company-wide investment decisions

Build the Payment Platform

• Manage the end-to-end payment ecosystem: processing, fraud, disputes, settlement, reconciliation, and APIs

• Make architectural decisions that balance scalability, security, and speed across millions of transactions

• Manage short and long-term roadmaps, forecasting resource requirements to deliver against strategic priorities

• Establish compliance frameworks for PCI/EMV, KYC/AML, and fraud prevention

• Design developer-friendly APIs, payment products and experiences that make BHN easy to integrate and impossible to leave

• Ensure quality standards and market competitiveness across the payments product portfolio

Win in the Market

• Lead customer discovery-understand pain points, validate direction, close deals alongside sales

• Conduct competitive analysis and identify opportunities in mobile wallets, B2B payments, cross-border, and emerging use cases

• Navigate complex stakeholder ecosystems-design win-win solutions for brands, networks, partners, consumers, and BHN

• Forge strategic partnerships with banks, PSPs, and fintechs to expand capabilities and reach

Ship Products That Matter

• Translate customer needs into technical requirements engineering teams can build

• Make daily tradeoff decisions on speed vs. scalability vs. technical debt

• Launch products on time by orchestrating across sales, marketing, operations, and engineering

• Use data to optimize conversion funnels, transaction costs, and customer experience

Lead Through Influence

• Rally cross-functional teams without formal authority-inspire execution across the organization

• Serve as BHN's senior authority on payments strategy, shaping how product teams approach the payouts domain

• Enable sales with compelling materials, training, and direct customer support

• Build credibility as the go-to payments expert at BHN

Qualifications:
Payments DNA (Required)

• 12+ years in product management, including 8+ years in payments/fintech, with experience in acquiring, issuing, mobile payments, B2B payments, or cross-border transactions

• Deep expertise in disbursements, prepaid card program requirements, rewards and incentives software technology

• Deep expertise in payment mechanics: clearing, settlement, funds flow, authorization, and reconciliation across multiple rails

• Strong platform and API experience-you've built transaction processing systems at scale

• Technical fluency: You debate system architecture, review APIs, and make informed build vs. buy decisions

• P&L ownership: You've managed budgets, driven revenue growth, and been accountable for business outcomes

Strategic Leadership (Required)

• Proven track record writing product strategies that teams actually execute against

• Master of stakeholder management-you align engineering, sales, marketing, legal, compliance, and executives

• Data-driven decision maker who balances analytics with strategic judgment

• Executive communication: You present to C-suite and Board with clarity and conviction

• Experience in agile environments and global matrixed organizations

Risk & Compliance Savvy (Required)

• Built frameworks for PCI/EMV, KYC/AML, and fraud prevention at scale

• Navigate regulatory complexity while maintaining velocity and customer experience

• Manage risk without killing innovation

Bonus: Game-Changing Experience

• Launched $50M+ revenue products or managed significant P&L

• Built prepaid products, stored value platforms, or digital wallets

• Negotiated partnerships with banks, PSPs, or card networks

• Experience at leading payments companies (Stripe, Adyen, PayPal, Square, Marqeta)

• Product leadership in fleet payments, fuel cards, or B2B payment solutions

• Global payment products across multiple markets and regulatory environments

We seek candidates who not only demonstrate curiosity and adaptability in emerging technologies but have also successfully implemented and utilized AI tools to enhance their work, improve processes, or deliver measurable results. Our teams embrace continuous learning and the thoughtful integration of AI to create meaningful impact - for our employees and the future of work.
Benefits:
Salary Range for California Residents Only: $170,360.00 to $230,000.00
Pay is based on several factors including but not limited to education, work experience, certifications, etc. In addition to your salary, Blackhawk Network offers benefits including 401k with employer match, medical, dental, vision, 12 paid holidays in the year 2026, 1 hour of sick pay accrual for every 30 hours worked, parental leave, life insurance, disability insurance, accident and illness insurance, health and dependent care flexible spending accounts, wellness benefits, and flexible time off for all full-time employees.
EEO Statement:
Blackhawk Network provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. Blackhawk Network believes that diversity leads to strength. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.
Blackhawk Network encourages applicants with previous criminal records to apply to all positions and, pursuant to the San Francisco and Los Angeles Fair Chance Acts (and other "Fair Chance" laws), Blackhawk Network will consider for employment qualified applicants with arrest and conviction records. For Philadelphia applicants or jobs, please see a copy of Philadelphia's ordinance on this topic by clicking this link: https://codelibrary.amlegal.com/codes/philadelphia/latest/philadelphia_pa/0-0-0-280104.