Product Manager - Customer Onboarding & Ongoing Due Diligence (Remote Work from Anywhere)

Work from anywhere, impact everywhere 

Diversity is at the heart of who we are at Xapo Bank. We’re a fully distributed team of over 140 Xapiens that work remotely from 40+ countries around the world. 

Our beginning: A world that enjoys economic freedom and wealth protection, no matter where you live or who is running your country. This is the dream that drove Wences Casares, our Founder and Chairman, to quietly transform the world of banking.

To achieve that, we search the world for the best people for the job. We work hard, think globally, and inspire each other to learn and grow. We are committed to changing the way things are done.

Risk is inherent in all of our business activities and managing risk well is the responsibility of every Xapien. Sound risk management enables us to serve our customers and deliver value for our shareholders, and helps make Xapo a great place to work.

 

Although we are headquartered in Gibraltar, this is a full time, 100% remote position 
Work from anywhere!

 

Position overview

We are seeking an exceptional Product Manager to lead the discovery and execution of initiatives within the product space that covers KYC, onboarding, due diligence and fraud prevention. As a Product Manager at Xapo Bank, you will act as the CEO of your area, driving outcomes that balance user experience, Xapo’s business goals, as well as regulatory compliance.

Mission

• Provide new applicants with a best-in-class, seamless onboarding journey.
• Protect our existing members’ wealth and our business by delivering best-in-class transaction monitoring and ongoing due diligence capabilities. We truly want to know our customers and think along with them. 

This role is ideal for a proactive, entrepreneurial thinker with a go-getting attitude. You will navigate challenges autonomously and drive impactful solutions. This demands a hands-on approach, sharp analytical skills while having a strategic vision on your area.You’ll have to independently tackle challenges while excelling in a collaborative environment within Xapo’s regulated financial domains.

Responsibilities

Product Discovery & Strategy

• Engage with users, stakeholders (including C-level), compliance, and anti-financial crime experts to identify challenges.
• Use qualitative (e.g., user interviews) and quantitative (e.g., funnel metrics) insights to pinpoint improvement opportunities.
• Define a vision and strategy, and prioritize initiatives within your product domain.

Product Execution

• Lead a team consisting of (backend/mobile) engineers and a designer to plan, execute, and iterate on impactful product changes.
• Translate regulatory requirements into best-in-class, user-friendly experiences that align with compliance standards and best practices in the market.
• Use data-driven insights to refine features and measure success through metrics like onboarding completion rates and false positives.

Thought Leadership

• Act as the go-to expert in your product area, ensuring clear alignment of goals and priorities among all stakeholders. We want you to be a thought leader, both internally as well as externally. 
• As such, you are always informed and up-to-date on anti-financial crime regulations, best practices and the trends in due diligence and beyond.

Skills needed

Experience

• 3+ years of experience in technology-driven fintech, regtech, or digital banking companies.
• Proven track record of delivering user-focused products in complex domains.

Domain Knowledge

• Expertise in fintech/regtech products like KYC, AML, fraud prevention, and transaction monitoring.
• Familiarity with regulatory frameworks and anti-financial crime best practices is a strong plus.

Product Skills

• An entrepreneurial mindset, proactive, and you are outcome-driven.
• Track record of successfully shipping products in a fast-paced, collaborative environment.
• Know how to drive clarity and communicate horizontally and vertically to stakeholders that have vastly different backgrounds.
• You make data-informed decisions and challenge the status quo using first principles thinking. 
• A deep understanding of Agile methodologies and/or modern product management frameworks (Reforge, SVPG).

Other requirements

• Passion for Bitcoin and a strong understanding of its role in financial freedom (orange-pilled mindset preferred!)
• A dedicated workspace.
• A reliable internet connection with the fastest speed possible in your area.
• Devices and other essential equipment that meet minimal technical specifications.
• Alignment with Our Values and the Xapo Values-Driven Leadership principles.

Why work for Xapo?

IMPACT GLOBALLY, WORK REMOTELY.

• Shape the Future: Improve lives through cutting-edge technology, work 100% remotely from anywhere in the world.
• Great work-life balance: Build amazing things with a balance of autonomy and collaborative teamwork. Set your own work schedule and make use of a flexible PTO plan when you need to recharge. 
• Expect Excellence: Collaborate, learn, and grow with a high-performance team. Learn how you learn best - from books to conferences, you’ll get a yearly budget for your individual learning and development goals.

At Xapo, we prioritize consumer protection and adhere to regulatory requirements by ensuring that all Xapiens are accountable for upholding principles of fair treatment, transparency, and ethical conduct in their interactions with customers and stakeholders.