Principal Product Manager

Circle - Referrals$187K — $240K *
Finance & Insurance
8 - 10 years of experience
Job Overview by Ladders

Qualifications

  • 10+ years experience in compliance, onboarding, or risk platforms in fintech, payments, or crypto
  • Hands-on experience with AI tools for product design
  • Track record implementing KYB, KYC, and AML technologies for regulatory compliance
  • Expertise in designing compliance workflows and scalable onboarding systems
  • Strong ability to translate regulatory and business needs into product requirements
  • Leadership experience influencing teams and executives
  • Analytical and data-driven with AI/ML experience for onboarding efficiency

Responsibilities

  • Define and own the product strategy and roadmap for Circle platform components
  • Lead onboarding and compliance capabilities evolution, enhancing long-term transformation
  • Collaborate with cross-functional teams to create regulatory-compliant customer experiences
  • Identify and address process gaps impacting onboarding speed and compliance
  • Translate regulatory requirements into product requirements for engineering
  • Represent onboarding priorities at senior forums to influence strategy
  • Develop documentation detailing onboarding system functionalities
  • Monitor and report on platform performance and risk metrics

Benefits

  • Flexible and diverse work environment
  • Encouragement of new ideas and employee stakeholder participation
  • Commitment to corporate integrity and transparency
  • Engagement with regulators to showcase compliance efficacy
Full Job Description

Circle is a financial technology company at the epicenter of the emerging internet of money, where value can finally travel like other digital data — globally, nearly instantly and less expensively than legacy settlement systems. This ground-breaking new internet layer opens up previously unimaginable possibilities for payments, commerce and markets that can help raise global economic prosperity and enhance inclusion. Our infrastructure – including USDC, a blockchain-based dollar – helps businesses, institutions and developers harness these breakthroughs and capitalize on this major turning point in the evolution of money and technology.

What you’ll be part of:

Circle is committed to visibility and stability in everything we do. As we grow as an organization, we're expanding into some of the world's strongest jurisdictions. Speed and efficiency are motivators for our success and our employees live by our company values: High Integrity, Future Forward, Multistakeholder, Mindful, and Driven by Excellence. We have built a flexible and diverse work environment where new ideas are encouraged and everyone is a stakeholder.

What you’ll be responsible for

As a Principal Product Manager at Circle, you will own the strategy and execution of our customer onboarding platform, ensuring it scales to support new products, markets, and global regulatory requirements. You will act as a cross-functional leader, partnering with compliance, risk, legal, engineering, and business stakeholders to align priorities and deliver solutions that balance regulatory rigor with customer experience. By combining product vision, data-driven insights, and deep compliance expertise, you will enable Circle to expand efficiently into new markets, reduce risk, and uphold the highest standards of trust and integrity.

What you’ll work on

  • Define and own the product strategy and roadmap for critical components within the Circle platform, prioritizing and launching scalable solutions that promote reusability and increase developer efficiency across Circle products.
     

  • Lead the evolution of onboarding and compliance capabilities for Circle platform, driving both incremental enhancements and long-term platform transformation.
     

  • 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.
     

  • 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.

What you’ll bring to Circle

Core 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.
     

  • 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.
     

Preferred Requirements

  • 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.

Circle is on a mission to create an inclusive financial future, with transparency at our core. We consider a wide variety of elements when crafting our compensation ranges and total compensation packages.

Starting pay is determined by various factors, including but not limited to: relevant experience, skill set, qualifications, and other business and organizational needs. Please note that compensation ranges may differ for candidates in other locations.

Base Pay Range: $187,500 - $240,000

We are an equal opportunity employer and value diversity at Circle. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Additionally, Circle participates in the E-Verify Program in certain locations, as required by law.

Should you require accommodations or assistance in our interview process because of a disability, please reach out to [email protected] for support. We respect your privacy and will connect with you separately from our interview process to accommodate your needs.

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About Circle - Referrals

Circle - Referrals Careers

There has never been a more opportune time to join Circle - Referrals, a premier hub for professionals seeking transformative career paths in the industry. As a leading entity in professional networking and employment innovation, Circle - Referrals offers a plethora of job opportunities designed to elevate professional growth and leadership skills.

Explore Job Opportunities

Circle - Referrals invites professionals to explore a variety of positions that cater to diverse skill sets and career aspirations. From full-time roles to internships, each position is crafted to enhance the professional journey, ensuring that every team member can thrive in a dynamic work environment.

Innovative Work Environment

Circle - Referrals stands at the nexus of technology and professional networking, fostering an environment where innovation and diversity training are at the forefront. The company helps some of the most well-known companies master their digital transformation journey through strategic employment solutions.

Join a Diverse and Inclusive Team

Circle - Referrals is committed to diversity and inclusivity, ensuring that all team members can contribute to their fullest potential. The company's culture is built on the foundation of mutual respect and continuous learning, offering benefits that support both personal and professional development.

Career Growth and Development

Professionals at Circle - Referrals enjoy access to unparalleled career growth opportunities. With a focus on leadership development and innovation, the company supports its team members through extensive training programs and resources that encourage career advancement and skill enhancement.

Networking and Professional Development

Circle - Referrals provides a platform for extensive professional networking, allowing individuals to connect with industry leaders and peers. This networking capability empowers professionals to exchange ideas, foster collaborations, and enhance their career trajectories through meaningful connections.

Applying for a Position

To apply for a position at Circle - Referrals, candidates are encouraged to submit a resume that highlights relevant experiences and skills. The hiring process includes a comprehensive interview to ensure alignment with the company’s values and goals.

Stay Connected with Circle - Referrals Jobs

Interested candidates can stay informed about new job opportunities and company updates by subscribing to Circle - Referrals job alert emails. These updates provide valuable insights into the company and its array of career opportunities.

Circle - Referrals: A Leader in Employment Innovation

Through its commitment to innovation, leadership, and diversity, Circle - Referrals continues to lead as a top choice for professionals looking to impact the global employment landscape. Explore how joining Circle - Referrals can transform a professional path and lead to substantial career achievements.

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Discover the positions that match your skills and interests. Circle - Referrals seeks passionate, curious, and solution-driven team players. Search Circle - Referrals jobs today and embark on a rewarding career journey.
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