[All remote jobs](https://jobicy.com/jobs.md)[![Signifyd logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/9be4f098-221.jpg)](https://jobicy.com/company/signifyd.md)[Signifyd](https://jobicy.com/company/signifyd.md) # Senior Product Manager, Authorization Optimization Review the role, location requirements, compensation details, and application process before deciding whether this opportunity fits your next career move. [Apply for this job](#job-application)[View company](https://jobicy.com/company/signifyd.md)ShareRemote from[USA](https://jobicy.com/job-region/usa.md)SalaryUndisclosedDepartment[Product & Operations](https://jobicy.com/categories/management.md)EmploymentFull TimeExperienceSeniorPublished2 Nov 2026Apply before2 Dec 2026Listing views30Application actions2Application toolkit ## Make your next move. Prepare your resume, explore your fit, and draft a cover letter for this opportunity. AI Summary ## The role, at a glance. Signifyd is seeking a senior technical product manager to own its authorization optimization product area at the intersection of payments and fraud decisioning. The role sets product strategy and roadmap priorities to improve authorization rates for legitimate transactions and recover merchant revenue. It requires detailed technical specifications, API and data-model ownership, issuer and BIN intelligence, and close collaboration with engineering and data science. The product manager will also develop ecosystem partnerships and support go-to-market teams with measurable merchant outcomes. Deep expertise in issuer authorization behavior, 3DS, decline recovery, PSD2/SCA, and risk-aware decisioning is central to success. ## Role DNA A quick view of the complexity, pace, ownership and collaboration implied by the job description. ### Job Complexity 5/5EasyHard ### Pace & Pressure 5/5RelaxedFast-paced ### Autonomy Level 5/5GuidedFull ownership ### Communication Load 5/5IndependentCollaborative AI insightThis is a highly specialized senior product role combining complex payment authorization mechanics, fraud-risk tradeoffs, technical platform design, and commercial partnership work. The incumbent owns measurable revenue and approval-rate outcomes while influencing multiple technical and external stakeholders without direct authority. ## Salary analysis Estimated compensation compared with the broader US market for similar roles. Estimated job median (per year)Market rate$175,000US market range (per year)$150k–$210k0$231.00k AI insightThe yearly pay period is inferred from the job context; it was not explicitly stated by the employer. The employer explicitly lists annual US base-salary bands by pay zone, ranging from $145,000 to $205,000 USD per year; the overall midpoint is $175,000. The estimated US market range for a senior payments product manager with authorization optimization and fraud expertise is $150,000–$210,000 USD annually. Equity and an annual performance bonus of up to 10% are additional compensation and are not included in the base-salary figures. ## Core skills Skills and capabilities most closely associated with this opportunity. [Product strategy](https://jobicy.com/jobs?search_keywords=Product%20strategy.md)[Product roadmap management](https://jobicy.com/jobs?search_keywords=Product%20roadmap%20management.md)[Payment authorization](https://jobicy.com/jobs?search_keywords=Payment%20authorization.md)[Decline recovery](https://jobicy.com/jobs?search_keywords=Decline%20recovery.md)[3D Secure](https://jobicy.com/jobs?search_keywords=3D%20Secure.md)[PSD2/SCA](https://jobicy.com/jobs?search_keywords=PSD2SCA.md)[API design](https://jobicy.com/jobs?search_keywords=API%20design.md)[Data modeling](https://jobicy.com/jobs?search_keywords=Data%20modeling.md)[Fraud decisioning](https://jobicy.com/jobs?search_keywords=Fraud%20decisioning.md)[Transaction analytics](https://jobicy.com/jobs?search_keywords=Transaction%20analytics.md)[Issuer management](https://jobicy.com/jobs?search_keywords=Issuer%20management.md)[Payment service providers](https://jobicy.com/jobs?search_keywords=Payment%20service%20providers.md)[Cross-functional leadership](https://jobicy.com/jobs?search_keywords=Cross-functional%20leadership.md)[Technical specifications](https://jobicy.com/jobs?search_keywords=Technical%20specifications.md) Sample interview questionsHow would you identify and prioritize opportunities to improve authorization rates across merchants and issuers?I would segment transaction data by issuer, BIN, merchant, region, payment method, decline code, and treatment history. I would estimate recoverable revenue and incremental approval potential for each segment, account for fraud and chargeback risk, then rank initiatives by expected value, confidence, implementation effort, and strategic coverage. How do you balance approval-rate gains against fraud-loss and chargeback exposure? I define guardrail metrics alongside approval uplift, including fraud rate, chargeback rate, loss amount, customer friction, and false-decline rate. I would use controlled experiments and cohort monitoring to validate each treatment, scaling only when incremental margin and customer experience improve within agreed risk thresholds. Describe how you would define an API for authorization and decline data shared among merchants, PSPs, and Signifyd. I would begin with key decisioning use cases, data ownership, latency targets, failure handling, and privacy requirements. The specification would define a versioned schema for transaction context, authorization results, decline reason normalization, treatment recommendations, idempotency, authentication, and observability, with clear acceptance criteria and integration examples. What role do 3DS and intelligent retries play in authorization optimization? Both are context-dependent tools rather than universal fixes. I would use issuer and transaction signals to determine when step-up authentication can improve approval probability or liability outcomes, and when retries should be timed, routed, or suppressed to avoid unnecessary customer friction, duplicate attempts, or higher costs. How would you communicate a technical authorization optimization roadmap to executive and go-to-market stakeholders? I would connect technical initiatives to merchant outcomes such as approval uplift, recovered revenue, fraud guardrails, coverage expansion, and time to value. For each roadmap item, I would clearly state the customer problem, opportunity size, milestones, dependencies, risks, and success metrics, tailoring the level of technical detail to the audience. Opportunity details ## About this role. At Signifyd, we help merchants confidently grow their businesses by building trusted relationships with their customers. Our advanced technology, combined with a team genuinely invested in our clients’ success, creates frictionless shopping experiences, approving more good orders, protecting revenue, and keeping customers happy. Trusted by thousands of leading merchants across more than 100 countries, we securely process billions of transactions each year. Our people are the heart of everything we do, driving our mission forward with commitment, empathy, and creativity. Join us on our mission to empower confident, fraud-free commerce by helping online retailers provide superior customer experiences and eliminate fraud. Learn about our company values [here](https://www.signifyd.com/about/#values)! ### About the role We are looking for a Senior Product Manager to own our authorization optimization product area, where payments and fraud decisioning meet. You will own authorization rate improvement for legitimate transactions. Set the strategy, prioritize the highest-value opportunities, and drive delivery across existing capability teams. This is a hands-on, technical product role. You will translate strategy into precise requirements, define the data and API interfaces that connect us with merchants, payment service providers and issuers, and be the product voice in architecture discussions. You will work daily with engineering and data science, and alongside go-to-market teams who bring the product to merchants. ### What you’ll do * Own the authorization optimization roadmap end to end: set priorities, sequence delivery, make tradeoffs, and communicate the plan and its rationale to leadership, engineering and go-to-market teams. * Determine where Signifyd should build, orchestrate, partner or influence issuers directly, informed by issuer behavior, merchant needs and regional payment dynamics. * Write detailed technical specifications, user stories and acceptance criteria, and manage the backlog with engineering. * Define and evolve the APIs, data models and integration points through which authorization and decline data flows between merchants, PSPs, issuers and our platform. * Identify, evaluate and develop new partnerships (such as PSPs, gateways, acquirers, issuers and data or technology providers) that expand our coverage and deliver measurable value to merchants. * Build issuer/BIN intelligence covering authorization performance, decline patterns and treatment effectiveness. Maintain a quantified opportunity map to prioritize recoverable revenue. * Drive issuer-specific decisioning across step-ups, 3DS, decline recovery and intelligent retries; inform routing where merchants have multiple PSP or acquirer options. * Work with data science to define requirements for risk-aware decisioning, balancing approval gains against fraud and chargeback exposure. * Own measurable authorization uplift and recovered merchant revenue. Demonstrate treatment impact through merchant proofs of value and issuer/BIN-level reporting. * Partner with sales, solutions and customer success to bring merchant feedback into the roadmap and support adoption. * Stay current on card network rules, regulation and industry practice, and use that knowledge to sharpen requirements. ### What you’ll bring (required) * 5+ years in a product management role, including ownership of a roadmap and end-to-end delivery. * Hands-on payments product experience spanning issuer authorization behavior, with a deep understanding of decline recovery and retries, 3DS, PSD2/SCA frameworks (including the upcoming transition to PSD3/PSR), and demonstrated improvements in authorization performance. * Experience writing detailed technical specs and defining APIs or data interfaces in partnership with engineering (backend or high-volume transaction systems a plus). * Strong analytical skills, with comfort working from transaction-level data and defining success metrics. * Experience working closely with data science or analytics teams and translating insights into product requirements. * Proven ability to influence cross-functional stakeholders without direct authority. * Clear written and verbal communication with technical and non-technical audiences. ### Preferred * Experience at a payment processor, PSP, acquirer, card network, issuer or fraud/risk vendor. * Exposure to fraud, risk or digital identity products, including the false-decline versus fraud-loss tradeoff. * Experience defining requirements for ML-driven decisioning. * Familiarity with 3DS/EMVCo, tokenization, ISO 8583 and PSD2/SCA. * B2B SaaS or enterprise e-commerce merchant experience. #LI-Remote Benefits in our US offices: * Discretionary Time Off Policy (Unlimited!) * 401K Match * Stock Options * Annual Performance Bonus or Commissions * Paid Parental Leave (12 weeks) * On-Demand Therapy for all employees & their dependents * Dedicated learning budget through Learnerbly * Health Insurance * Dental Insurance * Vision Insurance * Flexible Spending Account (FSA) * Short Term and Long Term Disability Insurance * Life Insurance * Company Social Events * Signifyd Swag Compensation: In the United States, each work location is assigned a specific pay zone, which determines the salary range for a given position. The starting base salary for the selected candidate will be based on a variety of factors, including job-related skills, experience, qualifications, geographic location, and current market conditions. Base Salary Ranges by Pay Zone: * Tier 1 (NYC/SF Bay Area/Seattle): $165,000 – $205,000 annually * Tier 2 (DC Metro/Austin/Chicago/Denver/Boston/Los Angeles/San Diego): $155,000 – $195,000 annually * Tier 3 (US – All Other): $145,000 – $185,000 annually Equity: This role is eligible for a stock option grant of 7,000 stock options, based on the position level and internal compensation guidelines. Bonus: This role is eligible for an annual performance bonus of up to 10% of base salary. We want to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [Signifyd’s Applicant Privacy Notice](https://drive.google.com/file/d/1HSnMY6HGjB1FNRX4Ez9bUre5mrPPcHIq/view?usp=sharing) Show more [Apply now >](https://jobicy.com/jobs/158474-senior-product-manager-authorization-optimization.md) > Annual salary information is not provided for this position. 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