Product Manager - Financial Institution

- We are seeking an experienced Product Manager - Payments Hub to lead the development and enhancement of our payment processing platform.

- The ideal candidate will have deep expertise in ACH and Wire transfers, along with experience in one or more of RTP, FedNow, and card payment networks.

- You will work closely with engineering and business teams to drive product strategy, roadmap execution, and customer adoption.

Key Responsibilities:

- Define and execute the product strategy and roadmap for the Payments Hub, ensuring alignment with customer needs and regulatory requirements.

- Lead end-to-end product development lifecycle, from ideation to deployment, with a strong focus on scalability, security, and real-time processing.

- Develop detailed functional specifications for ACH, Wire, RTP, FedNow, and card payments, ensuring seamless integration across financial institutions and payment networks.

- Collaborate with engineering teams to design APIs, workflows, and transaction processing rules that meet compliance and operational requirements.

- Ensure adherence to Nacha, Fed, and card network standards.

- Define and monitor key performance metrics (transaction success rates, processing speeds, fraud detection, etc. ) to continuously improve the platform.

- Engage with customers, banks, and payment partners to understand market trends, pain points, and opportunities for innovation.

- Drive partnerships and integrations with payment networks, core banking providers, and fintech partners.

- Stay ahead of emerging trends in real-time payments, open banking, and digital wallets.

Qualifications:

- 10+ years of experience in payments product management, preferably in a financial institution, fintech, or payment processor.

- Deep expertise in ACH and Wire payments (Nacha rules, FedWire operations etc.

- Experience with one or more of RTP, FedNow, and card issuing / processing.

- Strong understanding of payment network integrations, ISO 20022 messaging, and API-based payment processing.

- Knowledge of regulatory requirements, risk management, and fraud detection in payments.

- Excellent ability to translate business requirements into technical specifications.