Principal Product Manager, Onboarding

Circle is a financial technology company building digital asset, payment, and programmable blockchain infrastructure for a more open global economy. The Principal Product Manager will own the strategy and execution of Circle’s customer onboarding platform, partnering across compliance, risk, legal, engineering, and business teams to support scalable, compliant growth and improved customer experiences.

Responsibilities:

• Define and own the product strategy and roadmap for the Circle onboarding platform, with an emphasis on automating onboarding workflows and reduced time-to-activate for new customers
• Partner with compliance, legal, risk, engineering, and product teams to design systems that balance regulatory rigor with seamless customer experiences
• Identify and resolve process gaps, bottlenecks, and inefficiencies that impact onboarding speed, scalability, and compliance outcomes during onboarding
• Translate regulatory requirements and business needs into clear product requirements, insights, and user stories for engineering execution
• Represent onboarding and platform priorities across senior forums, influencing strategy and securing alignment for high-impact initiatives
• Build and maintain documentation that clearly explains the design, functionality, and dependencies of onboarding systems and tools
• Define, monitor, and report on platform performance metrics and risk indicators, highlighting progress and challenges to executives and the Board
• Engage with regulators, auditors, and examiners to demonstrate how Circle’s onboarding platform scales effectively while meeting compliance obligations

Requirements:

• 10+ years of experience delivering large-scale compliance, onboarding, or risk platforms in fintech, payments, or crypto
• Hands-on experience using AI tools for prototyping and generating product mocks to accelerate design and development
• Proven track record implementing KYB, KYC, and AML technologies to meet global regulatory requirements
• Expertise in designing compliance workflows and building scalable systems that accelerate customer onboarding; striking a balance between risk mitigation and customer experience
• Strong ability to translate regulatory and business needs into clear product requirements and platform strategies
• Demonstrated leadership influencing executives and cross-functional teams to align on product direction
• Highly analytical and data-driven, with experience applying AI/ML to improve onboarding decision-making, risk detection, and process efficiency
• Background in RegTech, banking, or scaled fintech, with direct exposure to complex regulatory environments
• Executive presence with the ability to represent Circle externally with regulators, auditors, and industry stakeholders