Apple is a place where extraordinary people gather to do their best work. Together we craft products and experiences people once couldnt have imagined - and now cant imagine living without. If youre excited by the idea of making a real impact, a career with Apple might be your dream job! The Apple Pay team is seeking an experienced product professional to improve the Apple Pay and Wallet user experience while enhancing the trust and safety of our users. The Apple Pay team is seeking a product manager who loves building products that are both innovative and easy to use. This role focuses on the end-to-end provisioning experience, developing new identification and verification features, and combating fraud.
This role will be responsible for defining, building, and launching ground-breaking new features that protect users while reducing friction. You will guide teams leading complex, cross-functional projects and drive progress by diving into technical details when needed while also thinking through the end-to-end experience - from a user tapping "Add Card" to an issuers risk decision in milliseconds. We are looking for a motivated candidate who wants to build great customer experiences and invent the future of identity and fraud prevention.Guide teams across Human Interface, Engineering, Legal, Business Development, Marketing, Analytics, and Operations, leading intricate cross-functional projects. Drive innovation in provisioning and fraud prevention that protects users while reducing friction. Help envision and build new strategies, roadmaps, and product features for the provisioning and risk platform. Drive progress by evangelizing product strategy to build alignment across executives, colleagues, and external partners. Challenge assumptions and deliver solutions first and foremost with Apples customers in mind despite the complexity that is often behind the scenes. Drive go-to-market planning and execution, ensuring readiness across all partners and optimizing for measurable impact. Drive adoption and collaborate with strategic partners - Networks, Issuers, Merchants, and other ecosystem players - on product development.5+ years of Product Management experience building and launching consumer products with designers, engineers, and data scientists Demonstrated ability to lead cross-functional initiatives spanning engineering, design, marketing, and legal Technical foundation, with the ability to engage with engineering teams and understand system-level tradeoffs Expertise with payment and identity technology end to end, including card provisioning, identification and verification (ID&V), tokenization, device and behavioral signals, fraud detection, dispute and chargeback flows Fluency with payment ecosystem players roles and strategies (Networks, Issuers, token service providers) Ability to synthesize complex topics, drive alignment, and communicate effectively with senior leadershipProven ability to impact provisioning and fraud business metrics, such as provisioning approval and step-up rates, fraud rate, and account takeover Working knowledge of how machine learning is applied to risk decisioning - including signal design, model evaluation, and the tradeoffs between precision, recall, and user friction Familiarity with the regulatory environment shaping authentication and provisioning (e.g., 3-D Secure, SCA, evolving identity standards) Track record of operational excellence - defining processes, managing program execution, and delivering results with consistency and rigor Experience working across multiple product areas within a platform or ecosystem MBA or advanced degree a plus
We’re a diverse collection of thinkers and doers, continually reimagining what’s possible to help us all do what we love in new ways. The people who work here have reinvented entire industries with the Mac, iPhone, iPad, and Apple Watch, as well as with services, including iTunes, the App Store, Apple Music, and Apple Pay. And the same passion for innovation that goes into our products also applies to our practices — strengthening our commitment to leave the world better than we found it.
There’s a place here for every kind of brilliant. Everyone here is an innovator, or an innovator-to-be, no matter what your team or your role. So bring your passion, courage, and original thinking and get ready to share it, because every new product, service, or feature we invent is the result of people working together to make each others’ ideas stronger. Innovation at this level depends on people who represent the variety of the human experience and inspire us with their own fresh perspectives. Together, we’ll do amazing work that can make a difference in people’s lives. Including your own. Learn more about working at Apple.