Trust & Safety Program Manager, Financial Fraud

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.

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.

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.

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.

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.

At Apple, base pay is one part of our total compensation package and is determined within a range. This provides the opportunity to progress as you grow and develop within a role. The base pay range for this role is between $172,100 and $305,600, and your base pay will depend on your skills, qualifications, experience, and location.

Apple employees also have the opportunity to become an Apple shareholder through participation in Apple’s discretionary employee stock programs. Apple employees are eligible for discretionary restricted stock unit awards, and can purchase Apple stock at a discount if voluntarily participating in Apple’s Employee Stock Purchase Plan. You’ll also receive benefits including: Comprehensive medical and dental coverage, retirement benefits, a range of discounted products and free services, and for formal education related to advancing your career at Apple, reimbursement for certain educational expenses — including tuition. Additionally, this role might be eligible for discretionary bonuses or commission payments as well as relocation. Learn more about Apple Benefits

Note: Apple benefit, compensation and employee stock programs are subject to eligibility requirements and other terms of the applicable plan or program.

Apple is an equal opportunity employer that is committed to inclusion and diversity. We seek to promote equal opportunity for all applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, Veteran status, or other legally protected characteristics. Learn more about your EEO rights as an applicant

At Apple, we believe accessibility is a fundamental human right. You’ll find that idea reflected in everything here — in our culture, our benefits and our digital tools. By welcoming as many perspectives as possible, we help you build a career where you feel like you belong.

Learn about accessibility in Apple’s workplace

Learn about reasonable accommodations for job applicants

Apple accepts applications to this posting on an ongoing basis.

At Apple, base pay is one part of our total compensation package and is determined within a range. This provides the opportunity to progress as you grow and develop within a role. The base pay range for this role is between $172,100 and $305,600, and your base pay will depend on your skills, qualifications, experience, and location.

Apple employees also have the opportunity to become an Apple shareholder through participation in Apple’s discretionary employee stock programs. Apple employees are eligible for discretionary restricted stock unit awards, and can purchase Apple stock at a discount if voluntarily participating in Apple’s Employee Stock Purchase Plan. You’ll also receive benefits including: Comprehensive medical and dental coverage, retirement benefits, a range of discounted products and free services, and for formal education related to advancing your career at Apple, reimbursement for certain educational expenses — including tuition. Additionally, this role might be eligible for discretionary bonuses or commission payments as well as relocation. Learn more about Apple Benefits

Note: Apple benefit, compensation and employee stock programs are subject to eligibility requirements and other terms of the applicable plan or program.

Apple is an equal opportunity employer that is committed to inclusion and diversity. We seek to promote equal opportunity for all applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, Veteran status, or other legally protected characteristics. Learn more about your EEO rights as an applicant

At Apple, we believe accessibility is a fundamental human right. You’ll find that idea reflected in everything here — in our culture, our benefits and our digital tools. By welcoming as many perspectives as possible, we help you build a career where you feel like you belong.

Learn about accessibility in Apple’s workplace

Learn about reasonable accommodations for job applicants

Apple accepts applications to this posting on an ongoing basis.

Apple is an equal opportunity employer that is committed to inclusion and diversity. We seek to promote equal opportunity for all applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, Veteran status, or other legally protected characteristics. Learn more about your EEO rights as an applicant

At Apple, we believe accessibility is a fundamental human right. You’ll find that idea reflected in everything here — in our culture, our benefits and our digital tools. By welcoming as many perspectives as possible, we help you build a career where you feel like you belong.

Learn about accessibility in Apple’s workplace

Learn about reasonable accommodations for job applicants

Apple accepts applications to this posting on an ongoing basis.

Apple is an equal opportunity employer that is committed to inclusion and diversity. We seek to promote equal opportunity for all applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, Veteran status, or other legally protected characteristics. Learn more about your EEO rights as an applicant

At Apple, we believe accessibility is a fundamental human right. You’ll find that idea reflected in everything here — in our culture, our benefits and our digital tools. By welcoming as many perspectives as possible, we help you build a career where you feel like you belong.

Learn about accessibility in Apple’s workplace

Learn about reasonable accommodations for job applicants

Apple accepts applications to this posting on an ongoing basis.