Senior Product Owner - Fraud Detection and Prevention

**Requisition number:** 2395877 **Job category:** Product Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start **Caring. Connecting. Growing together.** This position owns a fraud detection and prevention capability that is sold externally in the market and directly generates revenue. The role is accountable for the full product lifecycle - strategy, design, development, management and end-of-life - of fraud detection and dispute-adjacent products, whether built in-house, acquired, or sourced through partnerships. The candidate will bring hands-on familiarity with how fraud is detected, scored, investigated and disputed in production environments, and with the vendor and platform landscape that competes in this space (e.g., rules engines, machine-learning fraud scoring, case management/investigation tools, network-level fraud signals, and real-time transaction monitoring). Leverages market and competitive insight to identify new opportunities, prioritize investment, and keep the fraud product portfolio ahead of evolving fraud typologies and regulatory expectations. Accountable for the P&L and for product performance against fraud-loss, detection-rate, false-positive, and customer-experience targets. **Primary Responsibilities** + Own the end-to-end strategy, roadmap and lifecycle of fraud detection and prevention products/capabilities + Define and articulate the business value proposition, capability vision, and multi-year direction for fraud products + Maintain a working knowledge of the fraud detection market - detection methodologies (rules-based, ML/AI scoring, behavioral/biometric, network-level signals), investigation and case management workflows, and the vendor/competitor landscape + Establish KPI targets (e.g., fraud detection rate, false-positive rate, dollars prevented, case resolution time) and make data-driven decisions to maintain, scale, pivot, or sunset capabilities + Partner with data science, engineering, risk, compliance and operations teams to translate fraud typologies and emerging threat patterns into product requirements + Drive operational readiness for new detection models/rules, ensuring alignment across engineering, fraud operations, compliance and customer-facing teams + Build cross-enterprise relationships (issuers, processors, risk/compliance, legal) to accelerate adoption and ensure regulatory and operational fit + Lead demos, stakeholder communications, and business case development for new fraud detection capabilities or vendor/build decisions + Monitor the external fraud and payments-security market (emerging fraud schemes, competitor offerings, regulatory changes) and proactively adjust product strategy + Anticipate fraud, compliance, and operational risks and develop proactive mitigation strategies + Analyze fraud performance data and investigation outcomes to identify gaps, root causes, and improvement opportunities + Provide explanations and interpretations of fraud trends and product performance within area of expertise + Comply with the terms and conditions of the employment contract, company policies and procedures, and any directives (including changes to work location, team, shift, or work arrangements) as the business environment evolves. The Company may adopt, vary or rescind these policies and directives at its discretion + Comply with all applicable Company policies, procedures, and business directives, changes including those relating to work location, team assignments, work schedules, and flexible work arrangements **Required
Qualifications:** + 7+ years of experience in product management, risk/fraud product management, or financial technology + Demonstrated, hands-on experience with fraud detection processes and applications - e.g., transaction monitoring, fraud scoring/ML models, rules engines, case management/investigation platforms, or similar fraud-prevention tooling used in the market + Solid knowledge of card payments, open-loop processing, and dispute/chargeback workflows as they relate to fraud + Working familiarity with the competitive/vendor landscape for fraud detection solutions (e.g., major fraud platforms, network fraud tools, or comparable systems) + Demonstrated deep strategic thinking and proven ability to influence without authority + Ability to translate complex fraud data and detection methodologies into clear business cases and product requirements for cross-functional stakeholders **Preferred
Qualification:** + Bachelor's degree; graduate degree or equivalent experience _At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone - of every race, gender, sexuality, age, location and income - deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission._