• Own the product vision and roadmap for Tapcheck’s full money movement lifecycle: • Disbursement of funds to users • Recovery of funds from employers, payroll partners, and consumers • Routing across multiple payment rails • Accurate attribution across employees, employers, and partners • Ensure money movement supports multiple business models, including partner-led and direct-to-consumer use cases. • Lead strategy for outbound payments across: • Payroll and general-purpose reloadable (GPR) cards • ACH, RTP, and FedNow • Debit push/pull • Sponsor-bank and third-party rails • Define how Tapcheck selects and routes payments based on speed, cost, reliability, compliance, and user experience. • Partner closely with Engineering to evolve toward a flexible, rail-agnostic payment orchestration layer. • Own the roadmap for card products and payment instruments that support wage access and future financial products. • Be accountable for the strategy and integration of Tapcheck’s repayments ecosystem, including: • Employer-funded repayments • Payroll service bureau integrations • Employee-level recovery flows • Invoicing, ACH, real-time payments, checks, and API-based collections • Ensure repayment systems scale with increasing partner complexity and transaction volume. • Drive alignment between repayment logic, transaction data models, and accounting requirements. • Ensure every transaction—outbound or inbound—is: • Fully traceable • Correctly attributed • Reconcilable across operational systems and financial reporting. • Guide the evolution of data models that support aggregation, itemization, and multi-entity financial flows. • Balance automation and control to reduce manual effort while maintaining financial correctness. • Own unit economics across money movement, including processing costs, interchange, recovery rates, losses, and contribution margin. • Define and track KPIs that reflect real system health (e.g., success rates, latency, cost per transaction, exception rates). • Leverage modern tooling and AI-enabled product development practices to design, build, and ship high-quality systems with speed and accuracy. • Lead cross-functional execution across Product, Engineering, Finance, Risk, Compliance, CX, and Operations. • Act as a strategic thought partner to executive leadership on sequencing, tradeoffs, and long-term platform evolution.

**Key Responsibilities & Deliverables** - **Product Execution & High-Velocity Delivery:** - **Drive the product development lifecycle** from requirement definition through launch and post-production iteration. - **Write clear and complete PRDs and user stories** to effectively translate business objectives into development priorities. - **Own the Roamly backlog**, collaborating daily with Engineering (ENG) and Design to maintain progress and ensure quality delivery. - **Support product quality** by conducting QA/UAT testing, managing defect resolution, and troubleshooting system issues with ENG to develop creative workarounds. - **Execute high-velocity iterations** by applying a "test and learn" approach to enhance existing features and distribution strategies. - **Support change management and rollouts**, including writing release notes and conducting user training for Sales and Service teams. **Operational Scope:** - **Support the Head of Product** in developing the knowledge base and Standard Operating Procedures (SOPs) for our **AI Agents and virtual assistants.** - **Optimize the Quote-to-Bind experience** across several distribution channels: **Digital, AI Agent, Embedded, Captive Agency, and Independent Agents.** - **Enhance the Customer Portal **to improve self-service capabilities and overall policyholder satisfaction. - **Drive operational efficiency for a growing customer base** by identifying pain points and supporting system workflows across the **Policy Management System (PMS), Close.io, and Zendesk** in partnership with Sales, Service, and Claims. - **Autonomously manage external partners and vendors**, facilitating technical integrations and ensuring successful, long-term partnerships with minimal oversight. - **Support Product Marketing** by creating product fact sheets, personas, and value propositions for new and existing products. - **Collaborate with Legal to ensure all products and features remain compliant with state insurance regulations. - **Leverage AI tools (e.g., Gemini, Claude) **for day-to-day productivity, rapid prototyping, market research, and analyzing customer feedback to identify business opportunities and inform prioritization.

• Shape product roadmaps and user stories, prioritizing features for seamless experiences and market validation. • Partner with engineering, design, and PMs in fast sprints to prototype, test, and deploy capabilities. • Record screencasts and product videos of new features to showcase functionality and drive adoption. • Own facets of product marketing, like messaging, demos, and materials that communicate product value clearly. • Collect user feedback, run market research, and analyze metrics to refine backlogs and boost retention. • Build onboarding guides, training resources, and playbooks for product usage, operations, and recruitment. • Shadow customer interactions, synthesize insights, and align with C-level on priorities and dashboards.

• Own and drive end-to-end execution of digital product initiatives from intake through launch, ensuring delivery aligns with business and customer outcomes. • Lead planning, scheduling, and coordination across cross-functional teams, managing dependencies, milestones, and deliverables. • Develop and maintain delivery artifacts including delivery plans, RAID logs, milestone tracking, and action registers. • Proactively identify risks, escalate issues as needed, and drive mitigation strategies to protect delivery commitments. • Serve as the central owner for execution, ensuring work progresses efficiently and priorities remain aligned. • Define and evolve the vision, strategy, and roadmap for CAI’s digital toolkit in alignment with business objectives and customer needs. • Prioritize and manage a product backlog spanning multiple digital products and service components. • Act as Scrum Product Owner across one or more Agile teams, maintaining delivery momentum and achieving sprint goals. • Gather, refine, validate, and manage requirements from internal and external stakeholders. • Communicate status updates, risks, and key decisions with clarity and consistency.