Senior Product Manager, Risk Platform

We're transforming the grocery industry At Instacart, we invite the world to share love through food because we believe everyone should have access to the food they love and more time to enjoy it together. Where others see a simple need for grocery delivery, we see exciting complexity and endless opportunity to serve the varied needs of our community. We work to deliver an essential service that customers rely on to get their groceries and household goods, while also offering safe and flexible earnings opportunities to Instacart Personal Shoppers. Instacart has become a lifeline for millions of people, and we’re building the team to help push our shopping cart forward. If you’re ready to do the best work of your life, come join our table. Instacart is a Flex First team There’s no one-size fits all approach to how we do our best work. Our employees have the flexibility to choose where they do their best work—whether it’s from home, an office, or your favorite coffee shop—while staying connected and building community through regular in-person events. Learn more about our flexible approach to where we work. Overview Instacart’s Platform team powers the foundational capabilities behind our marketplace and Storefront Pro, including order management, pricing and discounting, loyalty, payments, fraud, and customer experience. We’re hiring a Senior Product Manager to build and own Instacart’s Risk Platform: the shared infrastructure behind fraud detection, appeasements, and identity verification across our four-sided marketplace of customers, shoppers, retailers, and advertisers. You’ll set the north star for what this platform becomes, define the roadmap and sequencing to get there, and own the outcomes to build the platform. What Makes This Team Unique Instacart’s Fraud, Appeasements & Identity team sits at the intersection of platform infrastructure and real-world commerce, protecting millions of transactions across a four-sided marketplace.  In this role, you will own the end-to-end product vision and roadmap for how Instacart prevents fraud, verifies identity, and resolves order disputes fairly. A core challenge is navigating the tension between cost efficiency and delivering a fast, fair customer experience - shaping fraud and appeasement policies with cross-functional partners that protect the business without degrading the customer experience that drives growth. You'll drive measurable impact on cost per order, fraud losses, and customer experience by evolving our real-time decision platform, advancing ML-driven fraud models, and shaping the next generation of AI-native fraud defense. On the fraud and identity side, you'll own a real-time ML-powered decision platform and build the next generation of AI-native fraud defense. The industry is undergoing a generational shift from rules-based to AI-first fraud prevention, and you'll define Instacart's strategy for it. On the appeasements side, you'll tackle one of the most interesting product challenges in commerce: how do you make customers whole quickly and fairly when something goes wrong, while maintaining thoughtful safeguards against abuse? Every customer-facing commitment we make builds the trust that drives loyalty and growth, and also requires careful product and policy design to manage cost responsibly. You'll design the systems and policies that solve this tension at scale, working across Order Quality, CX, Legal, and Finance. Ultimately, you’ll set the roadmap to define and build a new piece of platform infrastructure at Instacart to power risk decisioning across all our product surface areas. About The Job   Own the fraud, identity, and appeasements product vision, strategy, and multi-year roadmap. Set a clear north star with quantified targets for fraud losses, cost per order, false positive rates, and customer experience - and regularly socialize that vision with leadership and cross-functional partners. Drive the evolution of Instacart's real-time fraud detection and identity platform - including ML model strategy, decisioning, identity verification (selfie, passkeys, ATO prevention), and account integrity across both marketplace and Storefront Pro. Optimize the balance between fraud prevention and customer experience. Champion an AI-native, AI-first approach to fraud and trust. Drive opportunities to apply AI/ML innovations across the full domain. Push beyond incremental rule tuning toward a fundamentally AI-first architecture. Lead the appeasements and order-issue resolution strategy - defining policies, guardrails, and product capabilities that balance fair customer treatment with abuse prevention. Partner with Order Quality, CX, and Legal to shape policies where customer-facing commitments require thoughtful safeguards. Drive measurable improvements to efficiency. Be the strategic leader, not just the executor. Proactively identify new opportunities, define the "where we go next" narrativ