Senior Product Manager Compliance & Risk

Shine is the financial copilot for entrepreneurs and small business owners.

Founded by serial entrepreneurs Rico Andersen and Martin Hegelund, Shine is a leading European fintech unicorn on a mission to restore the joy of running a business, by ending wasted time on financial admin. Shine offers a connected solution for invoicing, accounting, payroll, business accounts, payments, and financing, meaning business owners can focus their energy on growing a healthy business, not held back by manual admin.

Part of something bigger

Today we're part of Cegid, a European leader in cloud software for finance and accounting. Together we're building Europe's leading financial copilot for small businesses and their accountants. Shine already supports more than 400,000 small businesses. As part of Cegid, we now reach over one million small businesses and 15,000 accountants across Europe. We're a multicultural team working from France, Germany, Denmark and the Netherlands, contributing to a wider European network that spans Spain, Portugal and Belgium.

Your hiring experience matters

Just as we respect our customers' time, we respect yours. Your experience with Shine and Cegid should feel simple, transparent and genuinely supportive. If this sounds like somewhere you want to grow, we'd love to hear from you.

The Banking Compliance & Risk team at Shine

The Compliance & Risk team keeps Shine's customers and accounts safe from financial crime. Our mission is to detect and prevent fraud and money laundering and to secure customer accounts, without making life harder for the business owners who make up almost all of our customers.

The team owns anti-money laundering (risk scoring, transaction monitoring and alerts, suspicious activity reports, sanctions and PEP screening) and fraud detection and prevention (real-time monitoring, pattern analysis, case investigation and resolution). It also owns the back-office products that our AML and fraud employees use every day.

Every decision this team makes carries a cost on both sides. A missed fraud pattern costs customers money and puts our banking licence at risk. A false alert freezes the account of a plumber on the day they need to pay a supplier. We must get both right, across multiple countries, under regulators that keep changing the rules.

The work also decides how much manual review our compliance and operations teams carry. Sharper risk scoring, better alert rules and good case tooling reduce the number of alerts an analyst opens and the time each one takes.

Your role as a Senior Product Manager

As the Product Manager of the Compliance & Risk team, you own the product strategy for how Shine detects and prevents financial crime and fraud. You build deep knowledge of AML and fraud regulation across France, Germany, the Netherlands and Denmark, and turn it into products that analysts can work with quickly and that legitimate customers barely notice.

You work every day with an engineering manager, a designer, and the compliance, fraud and operations teams who use what we build. You need enough technical depth to question trade-offs on detection logic, rules and models, and data pipelines, and to bring technically driven opportunities into the team's priorities.

Your responsibilities will include:

• Own the AML and fraud roadmap. Set the strategy for risk scoring, transaction monitoring, sanctions and PEP screening, and real-time fraud detection, and decide what we build, buy or change in each area.
• Run the team on outcomes. Define KPIs such as false positive rate, fraud loss rate, time to resolve a case, and the share of alerts closed without manual review, and tie every project to at least one of them.
• Turn regulation into scoped work. Follow regulatory change in our four markets, including the EU AML package and the payment rules on fraud and strong authentication, and translate each change into work with an owner and a date.
• Make security proportionate to risk. Shape the customer experience of strong authentication, phishing protection and account alerts so that friction rises only where risk rises.
• Build the back-office tools with the analysts. Sit with the people who work the alerts and cases, measure where their time goes, and ship tooling that removes the slowest steps.
• Work with engineering on data and detection. Own the trade-offs between rules and models, data quality, and where AI can triage alerts, with explainability and an audit trail a regulator can inspect.
• Set the strategic direction for our transaction monitoring and behavioral analytics across countries.
• Partner with compliance leadership. Write requirements that hold up in an audit, and give compliance officers the evidence they need to approve changes quickly.
• Drive discovery and delivery. Talk to customers and analysts every week, look for fixes that solve several problems at once, and mix structural improvements with quick wins.
• Manage incidents. Lead the product response to fraud spikes, alert backlogs and detection failures, and follow up until the root cause is fixed.

Job located in Berlin; Amsterdam; Copenhagen; Madrid with possibility of two remote working days per week

About you

• 5+ years as a Product Manager in a start-up or scale-up, with banking or fintech as a strong plus
• Experience building AML, fraud, KYC, transaction monitoring or sanctions screening products, or comparable risk products in payments or marketplaces
• Proven expertise in product discovery, delivery and data analysis, including pulling and reading the data yourself to size a problem
• Working knowledge of system architecture, data pipelines, rules engines or machine learning based detection
• Experience managing incidents and bugs and holding a high bar for operational reliability
• Comfort in a regulated environment where requirements change and not everything is defined up front
• Ability to work with compliance officers and fraud analysts and to make decisions with them on incomplete evidence
• A strong product mindset
• Fluent in English. French, German, Dutch or Danish is a plus.

Our recruitment process

1. 45' call with Saskia (Talent Acquisition Manager)
2. 30' interview with Sebastian (Hiring Manager)
3. A 1,5h business case presentation to highlight your skills and give you a hands-on feel for the role
4. A team introduction, followed by a soft skills interview based on personality assessments to see how we can best support your growth at Shine

What we offer

• Impact: This team is foundational to ensuring multiple aspects of Shine’s business is operating as the best on the market.
• Ownership: Join a team and help shape its mission just as it’s getting started, with support from experienced leaders.
• Innovation: Work in a dynamic, ambitious environment with space to grow and try our ideas and approaches
• Mission-driven: Likes our mission to help entrepreneurs succeed by giving them better, smarter banking and administrative tools.
• Mission-driven culture: Help entrepreneurs succeed with smarter financial tools.

Equal Opportunity Employer

We follow the principle of equal treatment to consider all job applicants and do not discriminate based on their gender, sexual orientation, color, racial or ethnic origin, religion, disability, etc. as per applicable law.