Circle (NYSE: CRCL) is one of the world's leading internet financial platform companies, building the foundation of a more open, global economy through digital assets, payment applications, and programmable blockchain infrastructure. Circle's platform includes the world's largest regulated stablecoin network anchored by USDC, Circle Payments Network for global money movement, and Arc, an enterprise-grade blockchain designed to become the Economic OS for the internet. Enterprises, financial institutions, and developers use Circle to power trusted, internet-scale financial innovation. Learn more at circle.com . 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 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. 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. 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: $200,000 - $260,000 We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status, or any other protected status required by the laws in the locations where we hire. 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 accommodations@circle.com for support. We respect your privacy and will connect with you separately from our interview process to accommodate your needs. #LI-Remote

• Lead the Growth track within R&D • Partner closely with marketing and partnerships teams • Design and run growth experiments • Collaborate with engineers, designers, and other PMs • Define clear hypotheses, success metrics, and measurement frameworks • Translate insights from data and user behavior into actionable product decisions

• Own the end-to-end bank product. Serve as the single-threaded product owner across deposits, loan originations, banking compliance, and operations. You are the person who holds the full picture of how the bank works within Affirm's ecosystem — and you drive it forward. • Launch and own the bank’s deposit product. Ship Affirm’s bank deposit offering as part of launch, then own the deposit product roadmap on a go-forward basis – scaling from early launch to a multi-billion-dollar deposit base, making strategic decisions about how deposits integrate with Affirm's credit products and broader consumer experience. • Operationalize the de novo bank build. Drive the cross-functional work required to stand up and scale bank operations — ensuring regulatory readiness, process maturity, vendor integrations, and seamless connectivity with Affirm's existing lending and money movement infrastructure. • Drive originations through the bank entity. Shape how Affirm originates and retains loans through its own bank, working closely with Credit, Capital Markets, Engineering, and Treasury to optimize volume ramp, unit economics, loan sale and retention mechanics, and regulatory compliance. • Navigate banking compliance and regulatory requirements. Partner with Legal, Compliance, Risk, and the Bank's executive team to ensure all products and operations meet federal and state regulatory standards. Build compliance into the product from day one — not as an afterthought. Understand the unique demands of a de novo bank under FDIC and state supervision. • Integrate the bank deposit product into Affirm's consumer ecosystem. Define clear domain boundaries, design requirements for new data flows, and integration points between the bank and Affirm Inc. — working across Servicing, Settlements, Consumer Payments, Checkout, and Growth teams to ensure the bank's products work seamlessly within the Affirm app and platform. • Influence up and across the organization. Communicate strategy, tradeoffs, and priorities to senior leadership and the Bank Board with clarity and conviction. Build alignment across a broad set of stakeholders — Engineering, Legal, Compliance, Treasury, Capital Markets, and executive leadership — who each bring different constraints and incentives.

• Own the end-to-end bank product. Serve as the single-threaded product owner across deposits, loan originations, banking compliance, and operations. You are the person who holds the full picture of how the bank works within Affirm's ecosystem — and you drive it forward. • Launch and own the bank’s deposit product. Ship Affirm’s bank deposit offering as part of launch, then own the deposit product roadmap on a go-forward basis – scaling from early launch to a multi-billion-dollar deposit base, making strategic decisions about how deposits integrate with Affirm's credit products and broader consumer experience. • Operationalize the de novo bank build. Drive the cross-functional work required to stand up and scale bank operations — ensuring regulatory readiness, process maturity, vendor integrations, and seamless connectivity with Affirm's existing lending and money movement infrastructure. • Drive originations through the bank entity. Shape how Affirm originates and retains loans through its own bank, working closely with Credit, Capital Markets, Engineering, and Treasury to optimize volume ramp, unit economics, loan sale and retention mechanics, and regulatory compliance. • Navigate banking compliance and regulatory requirements. Partner with Legal, Compliance, Risk, and the Bank's executive team to ensure all products and operations meet federal and state regulatory standards. Build compliance into the product from day one — not as an afterthought. Understand the unique demands of a de novo bank under FDIC and state supervision. • Integrate the bank deposit product into Affirm's consumer ecosystem. Define clear domain boundaries, design requirements for new data flows, and integration points between the bank and Affirm Inc. — working across Servicing, Settlements, Consumer Payments, Checkout, and Growth teams to ensure the bank's products work seamlessly within the Affirm app and platform. • Influence up and across the organization. Communicate strategy, tradeoffs, and priorities to senior leadership and the Bank Board with clarity and conviction. Build alignment across a broad set of stakeholders — Engineering, Legal, Compliance, Treasury, Capital Markets, and executive leadership — who each bring different constraints and incentives.