Staff Product Manager (Disbursements) Remote

The Staff Product Manager for Disbursements is a senior leadership role responsible for the
end-to-end strategy execution and integrity of the companys outbound payment ecosystem.

This role owns how money moves out of the platformcovering disbursements to consumers
and disbursement funding across multiple payment rails. This role plays a critical part in
modernizing payout infrastructure including support for real-time payment rails while ensuring
complete transaction traceability financial accuracy and regulatory compliance at scale.

You will lead the product vision for outbound money movement partner deeply with
engineering payments operations accounting compliance and external financial partners and
ensure the platform can support growing volumes new use cases and increasingly complex
regulatory and operational requirements.

This is a highly visible role with direct impact on customer trust platform economics and the
companys ability to scale financial products.

Responsibilities

Product Vision & Strategy

• Own the multi-year product roadmap for the full money movement lifecycle with a primary focus on disbursements to consumers.
• Define and communicate a clear product vision for outbound payments that balances speed reliability compliance operational efficiency and cost.
• Lead the evolution of the disbursements platform and expand product capabilities to support new use cases partners and payment rails.

Payment Rail Orchestration

• Lead the strategy for selecting routing and optimizing payments across multiple rails including ACH wires RTP FedNow push-to-card and digital wallets.
• Define rules and product capabilities that intelligently route payouts based on speed cost reliability risk and client expectations.
• Own payout configuration timing cutoffs retries reversals and exception handling across rails.

Funds Traceability

• Responsible for driving the vision for end to end money movement for disbursement funding.
• Ensure every outbound transaction is fully traceable correctly attributed and reconcilable across systems by owning product requirements for ledgering reconciliation error handling and payout transparency.
• Partner closely with accounting and finance to ensure accurate ledgering settlement reporting and audit readiness.

Execution & Delivery

• Translate complex money movement flows into clear product requirements user stories and technical specifications.
• Own backlog prioritization and delivery in partnership with engineering leadership balancing feature delivery platform resilience and regulatory commitments.
• Lead large-scale platform initiatives alongside incremental product enhancements with multiple cross functional development teams.

Partnership Management

• Partner with Clients and the Vertical teams to understand their needs and build scalable features that can be leveraged across multiple clients.
• Build and manage critical relationships with banks processors and fintech infrastructure partners.
• Translate external partner capabilities and constraints into internal product advantages.
• Support partner selection onboarding and ongoing performance management from a product perspective.

Cross-Functional Leadership

• Serve as the internal subject matter expert for disbursements payouts and outbound money movement.
• Work closely with compliance and risk teams to design controls limits monitoring and regulatory-aligned payout flows.
• Partner with go-to-market operations and support teams to ensure successful launches and operational readiness.

Qualifications :

• 15 years of product management experience with deep expertise in payments money movement disbursements or payout platforms
• Strong understanding of payment rails including ACH wires RTP FedNow card-based payouts and digital wallets
• Proven experience owning financial infrastructure including ledgering reconciliation settlement and exception handling
•  Experience working directly with accounting finance and compliance teams
•  Demonstrated ability to lead complex cross-functional initiatives at scale
• Strong analytical and systems-thinking mindset with attention to detail and data integrity
• Excellent communication skills and a track record of producing high-quality product documentation
• Experience operating in agile development environments (JIRA Confluence etc.)

Additional Information :

Why Join Us:

• Competitive salary and benefits with growth-company options grant
• Fast- paced and professional work culture
• Stock options with standard startup vesting - 1 year cliff; 4 years total
• $50 monthly communication expense stipend to go towards your phone/internet bill
• $250 stipend to enhance your WFH setup
• Reimbursement for peripheral equipment: monitor (up to $400) keyboard and mouse (up to $200)
• Premium medical benefits including vision and dental (100% coverage for employees)
• Company-sponsored life and disability insurance
• Paid parental bonding leave
• Paid sick leave jury duty bereavement
• 401k plan
• Flexible Time Off (our team members typically take off 3-4 weeks per year)
• Volunteer Time Off
• 13 scheduled holidays

Salary Range: $200000 - $235000

PayNearMe strives to create a workplace where all employees thrive. Our core values represent who we are today and we take pride in the way we work with each other as well as with our stakeholders.

Were in this together to do the right thing. We deliver real results we are proud of while remaining respectful transparent and flexible.

PayNearMe is an equal opportunity employer. We are diligently and thoughtfully working towards cultivating a diverse workforce which in turn enhances our products and services for the communities we serve. Applicants who represent all backgrounds are strongly encouraged to apply.

CALIFORNIA CONSUMER PRIVACY ACT: APPLICANT NOTICE

Effective Date: January 1 2020

Last Reviewed on: December 23 2019

PayNearMe Inc. (the Company) is providing you with this Notice (Notice) to inform you about:

1. the categories of Personal Information that the Company collects and maintains about applicants; and
2. the purposes for which the Company uses that Personal Information.

For purposes of this Notice Personal Information means information that identifies relates to describes is capable of being associated with or could reasonably be linked directly or indirectly with a natural person that the Company may collect in connection with screening applicants for job openings at the Company.

1. Identifiers and Professional or Employment-Related Information. The Company collects identifiers and professional or employment-related information which may include some or all the following: real name nickname or alias postal address telephone number e-mail address membership in professional organizations professional certifications language skills and current and past employment history. The Company collects this Personal Information to evaluate previous job performance and consider applicants for positions to develop a talent pool and plan for succession to conduct applicant surveys to maintain an internal applicant directory and for purposes of identification to promote the Company as a place to work and for workforce reporting and data analytics/trend analysis.
2. Personal Information Categories from Cal. Civ. Code 1798.80(e). The Company may collect categories of Personal Information listed in Cal. Civ. Code 1798.80(e) other than those already listed above (a) to the extent necessary to comply with the Companys legal obligations such as to accommodate disabilities; (b) to conduct a direct threat analysis in accordance with the Americans with Disabilities Act and state law; (c) for occupational health and safety compliance and record-keeping; and (d) to respond to an applicants medical emergency.
3. Characteristics of Protected Classifications Under California or Federal Law. The Company may collect information about race age national origin disability sex and veteran status as necessary to comply with legal obligations including the reporting requirements of the federal Equal Employment Opportunity Act the federal Office of Contracting Compliance Programs (applicable to government contractors) and Californias Fair Employment and Housing Act. The Company collects this Personal Information for purposes including: to comply with Federal and California law related to accommodation. The Company also collects this category of Personal Information on a purely voluntary basis except where required by law and uses the information only in compliance with applicable laws and regulations.
4. Education Information. The Company collects education information such as resumes and graduation records. The Company collects this Personal Information to determine suitability for roles to determine eligibility for training courses and to assist with professional licensing.
5. Profile Data. The Company may collect profile data including the following: psychological assessments behavior analyses or other profiling of its applicants. The Company collects this Personal Information to determine aptitude for certain positions and job assignments as well.
6. Background Screening the event that an applicant is given a formal job offer the Company collects background screening information prior to hiring including results of the following types of background screening: criminal history; sex offender registration; motor vehicle records; credit history; employment history; drug testing; and educational history. The Company collects this Personal Information to screen for risks to the Company and its clients and continued suitability for their jobs and to evaluate applicants for promotions.

Assistance for Disabled Applicants

Alternative formats of this Notice are available to individuals with a disability. Please let us know if you need assistance.

All your information will be kept confidential according to EEO guidelines.

Remote Work :

Yes

Employment Type :

Full-time