Trust & Safety Program Manager, Financial Fraud

Apple is where extraordinary ideas become groundbreaking products and experiences that people couldn’t imagine living without. Our commitment to innovation is matched only by our dedication to user trust and safety. The Trust & Safety team is at the forefront of safeguarding this trust, developing and deploying cutting-edge solutions to combat financial fraud and abuse across our vast, global ecosystem.

We are searching for an exceptional and visionary Program Manager with deep expertise in financial fraud and payment systems to lead critical initiatives that protect our users, partners, and the integrity of Apple's financial services. If you're driven by the idea of making a real impact on a global scale, and thrive in an environment where innovation meets meticulous execution, a career with Apple might be your perfect next step.

In this role, you will work cross-functionally with internal and external business partners to rapidly build and deploy the sophisticated solutions essential in fighting fraudsters and abusers, while relentlessly protecting our customers and partners.

Description

As a Trust & Safety Program Manager focused on Financial Fraud, you will be instrumental in safeguarding the integrity of Apple’s financial services and protecting our global customer base.

Responsibilities

• Lead the end-to-end lifecycle of complex fraud prevention and risk mitigation features, from concept to launch, ensuring timely delivery with exceptional quality and measurable impact.
• Define clear, actionable requirements for fraud detection, prevention, and response systems, translating complex business needs and regulatory mandates into precise technical specifications for engineering teams.
• Strategically plan, scope, and prioritize initiatives on the product roadmap, advocating for resources and aligning cross-functional teams (Engineering, Data Science, Legal, Privacy, Security, Operations) to achieve ambitious program goals.
• Drive continuous improvement by identifying gaps in current fraud controls, conducting risk assessments, and proposing innovative solutions to enhance the resilience of our systems.
• Serve as the primary liaison between technical teams and business stakeholders, ensuring clear communication, managing expectations, and resolving conflicts with transparency and tact.
• Keep abreast of the latest payment technologies, financial regulations, and global fraud trends, proactively identifying emerging risks and opportunities to strengthen Apple's defenses.
• Collaborate closely with Legal, Privacy, and Security teams to ensure all solutions comply with relevant laws, regulations, and Apple's stringent privacy principles.
• Make critical data-driven decisions and strategic trade-offs to ensure program success, balancing risk mitigation with business objectives and user experience.
• Champion Apple's values by demonstrating high integrity and strong ethics in every interaction and decision.

Minimum Qualifications

• Education and Industry Experience: A Bachelor's degree in Finance, Economics, Mathematics, Statistics, or a related quantitative field, accompanied by 3+ years of professional experience in risk management, fraud prevention, or trust and safety, preferably within the digital payments, credit, or fintech industry.
• Analytical and Technical Proficiency: Strong analytical skills with a proven ability to extract insights from large, complex datasets to identify emerging fraud trends and assess financial risk, including hands-on proficiency with visualization tools.
• Cross-Functional Collaboration: Excellent communication and problem-solving abilities, with demonstrated experience working closely alongside Product, Engineering, Data Science, and Compliance teams to design, test, and implement scalable risk mitigation strategies without compromising the customer experience.

Preferred Qualifications

• Master’s degree or MBA.
• Certifications in fraud examination (e.g., CFE, CPFPP), risk management, or project management.
• 5+ years of technical program management experience, specifically focused on consumer-facing financial services, payments, or fraud prevention.