Product Manager - Money Movement

Team: Product

Location: Canada

Commitment: Full-time

Workplace Type: remote

Accountabilities:

• Own the money-movement product surface across on-ramps, off-ramps, pay-ins, payouts, payment infrastructure, settlement, reconciliation, liquidity, treasury, and transaction processing.

• Transform manual, spreadsheet-based settlement, reconciliation, liquidity, and treasury workflows into scalable, reliable product infrastructure.

• Establish and evolve the operating model for payment operations, including settlement cycles, reconciliation processes, transaction processing, exception handling, and related workflows.

• Work closely with Finance and FinOps to design operational processes that support accurate, efficient, and scalable money movement.

• Align rail and infrastructure decisions with the organization’s shared payments infrastructure and API architecture, avoiding unnecessary duplication.

• Partner with core infrastructure and retail product teams to ensure money-movement capabilities can support multiple business lines and use cases.

• Apply AI-native approaches to product development and operational workflows, identifying opportunities to automate manual processes and accelerate execution.

• Assess payment corridors across emerging markets, taking into account banking restrictions, regulatory requirements, pricing structures, operational realities, and market-specific constraints.

• Determine which capabilities can be standardized across markets and which require corridor-specific solutions.

• Analyze corridor economics, including deposit fees, FX spreads, transfer fees, and other costs, to inform product and growth decisions.

• Build and manage relationships with banking partners, payment service providers, and other financial infrastructure partners.

• Collaborate with cross-functional stakeholders to launch, optimize, and scale payment rails and money-movement capabilities.

Requirements:

• 4+ years of product management experience for Senior PM-level consideration, or 7+ years for Lead PM-level consideration.

• Demonstrated experience shipping payment rails in emerging-market or high-growth fintech environments.

• Hands-on experience with payment methods or rails such as on-ramps, off-ramps, ACH, SWIFT, wire transfers, card acquiring, or comparable payment infrastructure.

• Experience working across multiple payment service providers or banking partners simultaneously.

• Strong understanding of settlement, reconciliation, treasury, liquidity, transaction processing, and payment operations, in addition to customer-facing payment experiences.

• Ability to analyze the economics of payment corridors, including deposit costs, FX spreads, transfer fees, and the trade-offs involved in subsidizing customer adoption.

• Direct experience managing or negotiating relationships with banking partners or payment service providers rather than working exclusively through an intermediary business development function.

• Strong understanding of emerging-market banking environments, including regulatory, operational, and infrastructure differences between jurisdictions.

• Excellent product judgment and the ability to balance customer experience, operational scalability, financial performance, risk, and technical constraints.

• Strong analytical, communication, stakeholder management, and problem-solving skills.

• Ability to work effectively across product, engineering, infrastructure, finance, operations, and external partners.

• Comfortable operating in an ambiguous, fast-moving environment and building processes or infrastructure from the ground up.

• Experience with stablecoin or cryptocurrency payment rails, multi-currency treasury, or emerging-market banking is a strong asset.

• Ability to work effectively in a remote environment and collaborate across distributed teams.

Benefits:

• Fully remote working arrangement.

• Full-time opportunity with responsibility for a critical product area.

• Opportunity to shape foundational payment infrastructure and money-movement capabilities.

• Daily collaboration with core retail product and payments infrastructure teams.

• High-impact role at the intersection of fintech, payments, product, operations, and financial infrastructure.

• Opportunity to build new processes and infrastructure from the ground up rather than simply optimizing established systems.

• Exposure to emerging-market payment corridors and complex international financial infrastructure.

• Compensation positioned at the top end of the market for the candidate’s geography.

• Opportunity to work in an AI-native environment where automation and AI-assisted execution are incorporated into product development and operations.

• Product leadership opportunity with leveling available at Senior Product Manager or Lead Product Manager depending on experience.