Senior Product Manager, Member Account Safety

The Role

At SoFi, we’re on a mission to help our members get their money right and become a Top 10 Financial Institution. We are seeking a high-agency, Senior Product Manager to own the vision and roadmap for authentication and safety experiences for our members. 

Your mission is to manage the tension between security and friction when accessing their accounts. Safety often feels annoying to users; your job is to flip that script, making "being safe" feel like a high quality feature rather than a chore. We want our members to feel protected, not locked out. You will own the "Front Door" of the SoFi experience: encompassing authentication, multi-factor authentication, and account recovery, ensuring that access is defended against bad actors while remaining a welcoming experience for our members.

Beyond the point of entry, you will oversee the broader safety journey. This includes designing experiences to manage the member experience during active fraud investigations and securing high-stakes profile changes that are often the first targets in a takeover attempt. You will build systems that identify anomalies and suspicious behavior to prevent account takeovers before they happen. Your products will provide defenses against crypto scams, phishing attacks, and social engineering, ensuring that only the true member is authenticated to access their account, and ensuring members have full awareness of what they’re authorizing during a step-up challenge. Your products will serve as the cornerstone of customer trust, transforming moments of security friction into empathetic, brand-building experiences that protect our members without slowing them down.

What You’ll Do

• Articulate a comprehensive roadmap for the Member Safety domain, aligning with SoFi’s broader objectives and executive-level reporting.
• Harden the "Front Door":  Own authentication, MFA, and account recovery, ensuring that the first point of contact with SoFi is both seamless and secure.
• Build active awareness into risk checkpoints, defending against scams and social engineering attacks to high-risk surface areas such as crypto, by ensuring members know exactly what they are authorizing.
• Guide a vision to improve the member experience during active fraud investigations, reducing fraud-related complaints and maintaining trust during high-stress events.
• Secure Critical Account Updates: Design and implement robust defenses for sensitive profile changes (e.g., contact information or security settings), utilizing step-up challenges to ensure attackers cannot "lock out" legitimate members during an account takeover attempt.
• Partner with Engineering to implement security layers that accurately identify suspicious behavior or potential account takeovers (ATO) without adding friction for legitimate users.
• Champion transparency and security education through products that drive safety awareness, transforming security from a background process into one that offers members agency in the process. 
• Drive cross-functional collaboration with the Fraud Risk Center of Excellence, multiple Product teams,  Design, and Engineering to ensure safety is a cornerstone of every new product surface.
• Collaborative Scope Management: Partner closely with the Fraud Product team t