PayNearMe, Inc.

Role Description We are seeking a Business Systems Engineer to join our growing Business Systems team. This role sits at the intersection of business process analysis and technical implementation — you will be the person who digs into how work actually gets done, finds the friction, and builds the tools and automations that make it disappear. As an ideal candidate, you are a generalist who thrives in ambiguity. You take pride in what you build, and get genuinely energized when a well-placed automation saves someone an hour of tedious work. You are not looking for a narrow lane — you want to understand how the whole machine works and make it run better. Responsibilities - Business Process Optimization - Partner with stakeholders across all business functions to understand current workflows, identify pain points, and design improvements. - Translate ambiguous business requirements into clear, scalable technical solutions — from quick automations to multi-system integrations. - Champion a ship-and-iterate mindset: get a working solution in place, learn from it, and improve over time rather than waiting for perfect requirements. - System Configuration & Integration - Configure and maintain connected business systems (Salesforce, Jira, n8n, Dataiku, Snowflake, and others) to accurately reflect current business processes. - Build and maintain integrations and automations between systems using APIs, low-code platforms (e.g., n8n), and declarative tools. - Support quote-to-cash initiatives, including pricing data management, contract lifecycle tracking, billing automation, and other functions foundational to scaling & future-proofing the business. - Project & Tool Management - Evaluate and onboard new SaaS tools in coordination with IT, Security, and business stakeholders. - Assist with environment management, configuration documentation, and release coordination for internal business systems. - Documentation & Knowledge Sharing - Maintain clear documentation of configurations, integrations, and processes to ensure continuity and enable team collaboration. - Provide training and support to end-users on system functionality and best practices. - Communicate completed work and business impact broadly — we celebrate our wins and build visibility for the team. Qualifications - 6+ years of experience in a business systems, operations, or technical consulting role. - Hands-on experience configuring and optimizing SaaS platforms. - Experience with workflow automation tools and integration platforms (e.g. n8n, Zapier). - Familiarity with AI-assisted development tools (e.g. Claude, Cursor, LLMs) and comfort incorporating them into day-to-day work. - Strong analytical mindset: comfortable gathering ambiguous requirements, structuring a problem, and driving toward a practical solution. - Experience working across multiple business functions (Sales, Finance, Customer Success, etc.) as a technical partner. - Excellent communication skills — able to translate between business stakeholders and technical systems. - Comfortable with ambiguity and changing requirements; you iterate rather than wait for perfection. Preferred - Background in fintech, payments, or SaaS businesses. - Familiarity with REST APIs and integration patterns. - Experience with BI or data analysis tools. - Experience administering or developing within common enterprise business systems (e.g., Salesforce, Jira, etc). - Experience with DevOps practices, CI/CD pipelines, or version-controlled configuration management (e.g. Git). Requirements - The annual base salary range for this role represents PayNearMe's good-faith estimate of the base salary it reasonably expects to offer for this position at the time of hire. - Actual compensation may vary based on factors including the candidate's experience, qualifications, skills, and work location. - This position will remain posted until filled. Benefits - 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.

Role Description The Director, Analytical AI & Data Platforms will lead the transformation of predictive intelligence and AI-enabled decisioning across our payment processing ecosystem. This strategic leadership role will support the VP, Data in refining and operationalizing the company’s Analytical AI vision by building scalable predictive analytics, machine learning, and AI-driven insight capabilities that improve: - Transaction intelligence - Fraud prevention - Merchant growth - Customer engagement - Operational efficiency - Revenue optimization In partnership with the VP of Data, this role will establish the strategic direction for Analytical AI, defining how predictive analytics, machine learning, decision intelligence, and AI-assisted analytics complement broader enterprise AI initiatives, including: - Automation - Generative AI - Customer-facing AI - Operational AI Success in this position requires a unique combination of deep technical expertise, business acumen, organizational leadership, and strategic influence. The ideal candidate will be able to translate sophisticated analytical concepts into measurable business outcomes while building scalable AI and data capabilities within a highly regulated, high-volume transactional environment. The Director, Analytical AI & Data Platforms will lead a multidisciplinary team spanning data platform engineering, AI/ML enablement, BI, and platform operations, while advancing a modern cloud data platform built on: - Snowflake - Dataiku - dbt - Fivetran - Apache Iceberg on Amazon S3 - Looker & LookML - SQL, Python - AWS - MySQL, PostgreSQL - Gitlab - Monte Carlo - Terraform, OpenTofu - RDS Database Insights and Datadog Qualifications - Bachelor’s degree in Computer Science, Data Science, Engineering, Statistics, Mathematics, Information Systems, or related field required; Master’s or PhD preferred. - 10+ years of progressive leadership experience in Data, Analytics, AI/ML, or Data Platform organizations. - 5+ years leading enterprise-scale analytics, data science, or AI engineering teams. - Strong hands-on expertise in predictive analytics, machine learning, recommendation systems, decision intelligence, and AI-enabled analytics. - Deep experience with modern cloud data platforms and analytical ecosystems including Snowflake, Dataiku, dbt, Fivetran, Apache Iceberg, Looker / LookML. - Strong technical expertise in Python, SQL, ML frameworks and AI tooling, Cloud platforms such as AWS. - Experience establishing AI/ML operating models and production AI governance frameworks. - Demonstrated success operationalizing predictive analytics and AI capabilities at enterprise scale. - Strong executive communication and stakeholder management skills. - Experience leading within complex, matrixed organizations. Requirements - Experience within fintech, payment processing, transaction platforms, fraud analytics, or regulated financial services. - Experience with real-time analytics and streaming architectures. - Familiarity with MLOps platforms, feature stores, vector databases, semantic retrieval architectures, agentic AI frameworks. - Knowledge of PCI, SOC2, GDPR, and financial data governance requirements. - Experience integrating predictive AI and analytical AI capabilities with broader GenAI enterprise initiatives. Benefits - 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

Role Description The Manager, Sales, will lead a team of Account Executives focused on driving growth within the Auto and Personal lending segments, specifically targeting lenders with fewer than 1M active loans. This role is responsible for overseeing day-to-day sales execution, building pipeline strategy, and ensuring consistent attainment of revenue targets. This position is ideal for a sales leader with experience in financial services and a strong understanding of how auto and personal lenders evaluate and purchase technology solutions. While payment experience is not required, the candidate should be highly effective at engaging senior decision makers and navigating sales cycles in the personal and auto lending industry. - Leadership: Lead a team of Account Executives, building the strategy around the sales team’s approach to the auto and personal lending market. - Pipeline Strategy & Oversight: Own the pipeline health by setting prospecting standards, monitoring funnel conversion metrics, and ensuring sufficient pipeline coverage. - Drive Revenue Growth: Drive consistent attainment of team sales targets by removing obstacles and ensuring disciplined execution across the full sales cycle. - Pricing & Deal Governance: Provide oversight and approval on pricing strategy, deal structuring, and contract terms. - Develop Market Insights: Provide feedback to inform go-to-market strategies and influence product positioning. - Establish High-Level Relationships: Work closely with C-level executives, decision-makers, and stakeholders. - Cross Functionality Leadership: Collaborate with business development, marketing, product, and customer success teams to align on demand generation, messaging, and onboarding. - Partnership Support: Work closely with our Partnership Team to continue to deepen partner relationships, supporting joint go-to-market initiatives. Qualifications - 5+ years of B2B sales experience and a minimum of 3 years in a sales leadership or management role selling technology solutions to auto and personal lenders. - Strong understanding of lending operations, servicing workflows, procurement processes, and regulatory considerations within financial institutions. - Tech-savvy with a strong grasp of modern sales tools, CRM systems (Salesforce), and market research methodologies. - Ability to work cross-functionally with internal teams to refine strategy and execution. - Active involvement in the lending industry, including attendance at trade shows, familiarity with key publications, and engagement with industry consultants. - Strong understanding of prospecting processes, with demonstrated familiarity in leveraging modern prospecting tools and applying industry best practices to drive pipeline generation. Requirements - The annual base salary range for this role represents PayNearMe's good-faith estimate of the base salary it reasonably expects to offer for this position at the time of hire. Actual compensation may vary based on factors including the candidate's experience, qualifications, skills, and work location. - This position will remain posted until filled. - Annual Salary Range: $140,000 — $150,000 USD Benefits - 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.

Role Description We are looking for a Sr. Third Party Risk Specialist to own and evolve PNM’s third-party risk program across vendor governance, risk assessment, due diligence, and continuous monitoring. This role requires a strategic thinker with a builder’s mindset—someone who can assess complex vendor risk, improve scalable processes, and influence alignment across security, compliance, legal, procurement, product, engineering, operations, and customer-facing teams. This is an individual contributor role for someone who can operate at a senior level—balancing expert risk analysis, cross-functional coordination, regulatory awareness, and execution excellence. You’ll lead governance for critical and high-risk vendors, drive completion of incoming partner and client due diligence requests, and innovate efficiency strategies through automation, risk tiering, workflow orchestration, and continuous monitoring. This role will report to the Director of Security GRC. Responsibilities: - Own and evolve enterprise-wide third-party security risk strategy, including automation, continuous monitoring, and emerging risk domains (e.g., AI/ML vendors) - Liaise with cross-functional teams and leadership to ensure consistent, thorough operationalization of third party security risk controls - Communicate complex vendor risk landscapes and prioritization decisions clearly to senior leadership - Drive alignment on third party risk tolerance, vendor management decisions, and mitigation strategies - Execute completion of and innovate efficiency strategies for incoming due diligence requests from partners and clients - Administer in-scope tech stack (e.g. BlackKite, Responsive, Serval, N8N) - Coach and develop team members, leading large-scale, cross-functional initiatives to mature TPRM capabilities and improve operational efficiency - Contribute to evolution of TPRM best practices across the organization - Maintain and improve third-party security risk framework artifacts, including risk assessment methodology, vendor tiering, control expectations, procedures, and reporting - Partner with Legal, Procurement, and business owners to ensure third-party security risks are appropriately documented, accepted, mitigated, or escalated - Monitor critical and high-risk vendors for control changes, risk signals, remediation progress, and ongoing compliance concerns Qualifications - 7+ years in risk management, including ownership of program-level strategy, cross-functional influence, and transformation initiatives - Bachelor’s degree in Computer Science, Risk Management, or related field (or equivalent experience); advanced certifications preferred (e.g., CRISC, CISM, FAIR, or relevant emerging risk training) - Proven track record of spearheading third party risk program improvements with measurable impact - Hands-on experience managing third party AI risk - Excellent communication and stakeholder management skills—especially with senior engineering, product, and business leaders. - Comfortable operating independently, managing ambiguity, and taking ownership at both strategic and tactical levels. - Experience developing and managing comprehensive third party program plans, roadmaps, and status updates to keep stakeholders aligned and informed. - Fluency in cyber risk methodologies – ability to communicate complex risk considerations and proposals to leadership and peers - Expertise in qualitative and quantitative third-party risk analysis, including the ability to translate risk into business impact - Substantial experience with AI/automation tools, as well as GRC, TPRM, security ratings, questionnaire automation, or workflow orchestration platforms - Working knowledge of relevant security and risk frameworks such as SIG, CSA STAR for AI, ISO 27001, SOC 2, PCI DSS, or NIST AI RMF Requirements - Experience in payments, fintech, or regulated industries - Experience with third-party security risk management, client due diligence, and vendor governance in a regulated environment - Exposure to automation, continuous monitoring, security ratings, questionnaire platforms, or GRC workflow tools - Deep understanding of AI/ML vendor risk, including how AI-enabled services are assessed, monitored, and governed responsibly Benefits - 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

Role Description We are seeking a strategic and technically accomplished Director, Data Products Engineering to lead the architecture, engineering, and delivery of AI products, data products and scalable data solutions across our fintech and payment processing ecosystem. - Drive the company’s transition toward a product-centric data operating model. - Build trusted, reusable, scalable, and business-aligned AI/data products. - Lead teams responsible for engineering high-quality AI/data products. - Design scalable data architectures and enable reliable enterprise data consumption at scale. The current ecosystem includes: - Snowflake - Dataiku - dbt - Fivetran - Apache Iceberg on Amazon S3 - Looker & LookML - SQL, Python - AWS - MySQL, PostgreSQL - Gitlab - Monte Carlo - Terraform, OpenTofu - RDS Database Insights and Datadog This role will partner closely with Product, Engineering, Risk, and Operations teams to define enterprise data strategies, architect scalable data solutions, and operationalize high-value AI/data products that accelerate business growth and innovation. Qualifications - Bachelor’s degree in Computer Science, Data Science, Engineering, Statistics, Mathematics, Information Systems, or related field required; Master’s or PhD preferred. - 10+ years of progressive leadership experience in Data, Analytics, or AI/ML organizations. - 5+ years leading enterprise-scale analytics, data science, or AI engineering teams. - Strong hands-on expertise in predictive analytics, machine learning, recommendation systems, decision intelligence, and AI-enabled analytics. - Proven experience building scalable enterprise data products. - Deep experience with modern cloud data platforms and analytical ecosystems. - Strong technical expertise in Python, SQL, ML frameworks, and AI tooling. - Strong executive communication and stakeholder management skills. - Experience leading within complex, matrixed organizations. - Exceptional communication and stakeholder management skills with ability to influence executive and technical audiences. Requirements - Experience within fintech, payment processing, transaction platforms, fraud analytics, or regulated financial services. - Experience with real-time analytics and streaming architectures. - Familiarity with MLOps platforms, feature stores, vector databases, semantic retrieval architectures, and agentic AI frameworks. - Knowledge of PCI, SOC2, GDPR, and financial data governance requirements. - Experience integrating predictive AI and analytical AI capabilities with broader GenAI enterprise initiatives. Benefits - 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.

Role Description PayNearMe is seeking a high-performing, hunter-oriented Account Executive with a strong background in payment solutions, particularly electronic bill presentment and payment (EBPP) and recurring payment technologies. This role is responsible for driving net-new business within banks and credit unions by delivering modern, customer-centric payment experiences. This is a true new business role requiring a proactive seller who can independently generate pipeline, develop relationships, and close opportunities. The ideal candidate brings deep expertise in bill pay, recurring payments, and digital payment adoption, with a proven ability to succeed in a high-activity, transaction-oriented sales environment. This role is ideal for someone who thrives in a high-volume, transactional sales environment and is ready to make an impact with a growing team. - Drive new business by targeting banks, credit unions, and financial institutions less than $30B in assets. - Conduct high-volume sales outreach (discovery, demos, contract negotiation, close), with the goal of closing 3–4 deals per quarter. - Clearly articulate and demonstrate the value of PayNearMe’s payment solutions, with an emphasis on bill pay functionality. - Collaborate closely with the payments team, including credit union SMEs and technical experts, to deliver tailored solutions. - Stay current on trends in EBPP, ACH, debit card payments, and evolving customer expectations around recurring payment experiences. - Partner cross-functionally with Marketing, Product, and Client Services to support new customer onboarding and optimize product-market fit. - Log activities, maintain pipeline hygiene, and provide accurate forecasts using CRM systems. Qualifications - 3+ years of B2B sales experience selling payment solutions, preferably in recurring/online bill pay (EBPP). - Experience with banks or credit unions is a plus but not required. - Proven track record of consistently meeting or exceeding sales quotas in a fast-paced environment. - Strong understanding of payment industry concepts: EBPP, ACH, card processing, and compliance in recurring payments. - Ability to communicate value to both technical and non-technical stakeholders. - CRM proficiency and ability to manage a high-velocity sales cycle. - Self-starter with exceptional organizational and follow-up skills. Requirements - The annual base salary range for this role represents PayNearMe's good-faith estimate of the base salary it reasonably expects to offer for this position at the time of hire. Actual compensation may vary based on factors including the candidate's experience, qualifications, skills, and work location. PayNearMe may offer compensation outside of this range in certain circumstances. - Annual Salary Range: $105,000 — $115,000 USD Benefits - 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.

Role Description As our Site Reliability Engineer, you will design, build, and maintain the systems and infrastructure that power our applications, ensuring their reliability, scalability, and performance. You will bring a software engineering approach to operations, automating processes, and continuously improving the infrastructure and tools to support our business needs. Responsibilities - Infrastructure Management: Design, implement, and maintain scalable and resilient infrastructure using Terraform for infrastructure as code, ensuring high availability and performance. - Kubernetes and Containers: Deploy, manage, and optimize Kubernetes clusters and containerized applications using Docker. Implement best practices for container orchestration and management. - Systems and Application Monitoring/Observability: Develop and maintain comprehensive monitoring and observability solutions using Datadog. Ensure detailed visibility into system performance and application health. - SLOs and SLA Management: Define, monitor, and maintain Service Level Objectives (SLOs) and Service Level Agreements (SLAs) to ensure reliable and consistent service delivery. - Incident Response and Troubleshooting: Respond to incidents, perform root cause analysis, and implement solutions to prevent recurrence. Participate in post-incident reviews and contribute to blameless postmortems. - Reliability and Production Environment Management: Ensure the reliability and stability of our production environments. Continuously assess and improve system reliability, identifying and addressing potential points of failure. - Automation and Scripting: Develop automation scripts and tools to reduce manual intervention and improve system reliability using Python, Bash, or Go. Implement and improve CI/CD pipelines. - CI/CD Pipeline Management: Enhance and maintain continuous integration and continuous deployment pipelines using GitLab CI. Ensure seamless and reliable deployment processes. - Capacity Planning and Scaling: Assist in capacity planning and ensure that systems are scalable to meet future demands. Implement auto-scaling strategies where applicable. - Security and Compliance: Implement security best practices and ensure compliance with industry standards. Regularly review and update security policies and procedures. - Collaboration and Support: Work closely with development teams to ensure reliability and scalability of new features and services. Provide technical support and guidance on infrastructure-related issues. - Software Engineering for Operations: Develop and maintain internal tools and services that enhance the efficiency and reliability of our operations. - On-Call Rotation: Participate in an on-call rotation to address production issues and collaborate in incident response efforts. Qualifications - +3 years of experience in SRE, DevOps, or a related role. - Cloud Platform Experience: Proficient with cloud platforms such as AWS, GCP, or Azure. Experience with EC2, RDS, VPCs, and security groups is essential. - Kubernetes and Containers: Strong experience with Kubernetes and Docker, including deployment, scaling, and management of containerized applications. - Infrastructure as Code: Expert in using Terraform for infrastructure as code. Proficient with configuration management tools such as Ansible, Puppet, or Chef. - Monitoring and Observability: Extensive experience with monitoring and observability tools like Datadog, Prometheus, Grafana, ELK stack, or Splunk. Skilled in setting up detailed monitoring and logging systems. - SLOs and SLA Management: Proven ability to define, monitor, and maintain SLOs and SLAs to ensure reliable service delivery. - Scripting and Automation: Strong skills in scripting languages like Python, Bash, or Go. Experience automating repetitive tasks and processes. - CI/CD Practices: Familiarity with GitLab CI or similar tool for continuous integration and deployment. Experience in setting up and managing pipelines. - Production Environments: Experience supporting production environments running Go or Ruby/Rails applications. - Tool Development: Ability to write and update tools to support infrastructure and application management, demonstrating the principle that “SRE is what happens when you ask a software engineer to design an operations team.” - DevOps Best Practices: Deep understanding of DevOps principles, practices, and tools to drive continuous improvement in the software development lifecycle. - Soft Skills: Strong organizational skills, attention to detail, and the ability to work collaboratively in a team environment. Excellent documentation skills to ensure accurate and detailed records. - Problem-Solving Ability: Excellent analytical and problem-solving skills to diagnose and resolve complex system issues quickly and effectively. Requirements - The annual base salary range for this role represents PayNearMe's good-faith estimate of the base salary it reasonably expects to offer for this position at the time of hire. Actual compensation may vary based on factors including the candidate's experience, qualifications, skills, and work location. - This position will remain posted until filled. - Annual Salary Range: $180,000 — $200,000 USD. Benefits - 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.

Role Description The Staff Product Manager for Disbursements is a senior leadership role responsible for the end-to-end strategy, execution, and integrity of the company’s outbound payment ecosystem. This role owns how money moves out of the platform—covering 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 company’s 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.). Requirements - The annual base salary range for this role represents PayNearMe's good-faith estimate of the base salary it reasonably expects to offer for this position at the time of hire. Actual compensation may vary based on factors including the candidate's experience, qualifications, skills, and work location. PayNearMe may offer compensation outside of this range in certain circumstances. - This position will remain posted until filled. - Annual Salary Range: $200,000 — $235,000 USD. Benefits - 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.