Role Description E Source is seeking a Senior Technical Product Manager to lead product execution and technical coordination for a cloud-based utility data exchange platform serving utilities, regulators, and approved market participants. This role serves as the primary product and technical interface between engineering teams, regulatory staff, utilities, and implementation partners. The role blends product ownership, technical governance, stakeholder management, and regulatory-grade documentation, ensuring the platform evolves predictably, securely, and in compliance with client expectations. How you’ll help: This platform is not a typical product; it is a statewide digital infrastructure with public visibility, regulatory scrutiny, and long-term policy implications. This role is central to ensuring the platform remains credible, scalable, and resilient as state expectations grow in how data supports affordable, reliable power delivery and clean energy goals. Product Ownership and Delivery - Own the product backlog, roadmap, and release planning across multiple workstreams - Lead requirements development and prioritization in collaboration with engineering and data teams - Translate policy, regulatory, and stakeholder requirements into clear, actionable technical work items - Collaborate with architects and engineers on user and data flows - Collaborate with technical writers on user documentation - Ensure product delivery milestones are met on scope, schedule, and budget Client Engagement - Serve as a trusted day-to-day counterpart to clients, program stakeholders, and external partners - Develop use case documentation, architecture diagrams, and risk review materials - Lead technical walkthroughs, design reviews, and working sessions - Prepare content and support discussions for periodic regulatory reviews Qualifications - 8+ years of experience in software product management or systems-oriented consulting - Strong working knowledge of cloud-based, data-intensive platforms and software systems - Experience working with large investor-owned electric utilities and knowledge of power systems, customer programs, and data - Demonstrated ability to translate complex stakeholder needs into executable technical plans - Experience supporting executive-level governance forums Requirements - Roadmap execution is predictable, transparent, and defensible - Engineering teams are aligned and unblocked - Clients and regulators trust the platform’s security, architecture, and change management processes - The platform scales efficiently to new utilities, datasets, and use cases Benefits - Comprehensive medical, dental, and vision insurance - Company-paid life, short-term disability, and long-term disability insurance - Medical and dependent-care flexible spending plans - Flexible time off (FTO) with manager approval - Flexible schedules and work locations - Paid parental leave - 401(k)/RRSP plan with a 3% employer match Compensation The budgeted salary for this position is $160,000 - $200,000 USD + annual bonus. Actual pay will be adjusted based on experience. This role will be 100% remote, with infrequent travel (generally 1-2 times per year). Company Description E Source is a research, data/analytics, and technology focused professional services firm focused exclusively on the utility industry in the US and Canada. We help utilities target and serve their customers more effectively, enhance and optimize their grid, and leverage operating best practices and technologies to manage their business more effectively. Headquartered in Texas, we have 450+ employees across the US and Canada.

Overview Founded in 1898, Mutual of Enumclaw is a people-first insurer rooted in community, recognized as Washington’s Best Company to Work For for the 14th consecutive year, and proudly serving individuals, families, farms, and businesses through local independent agents across the West. The Product Manager reports to the Director of Product Management and is a proactive, driven and individually accountable steward of profit and growth across the assigned states and territories for all assigned lines and products. A designer of long-term state strategies and coordinator of short-term execution to realize the benefits of such. With a focus on driving improvements in profit/growth through pricing management (segmentation texture and rate level), as well as ongoing engagement, partnership, and influence with underwriting, sales, regulatory, product development, marketing, operations, and finance to align and add value to their strategy and execution. The Product Manager will look to identify and execute opportunities to improve MOE’s suite of products and coverages to match customer needs and current market conditions. This position is also responsible for conducting regular proactive updates of form language, responding to and accounting for market trends, competitor actions, and regulatory/reinsurance actions. ​ Location: The successful candidate will work remotely, with approximately 30% travel. They must be able to work during our core Pacific Standard Time (PST) business hours, and must have high-speed internet (internet speed test required). Hiring Range: $125,432 - $143,793* Salary Range: $125,432 - $160,153 Candidates having more experience may be considered for a Sr. Product Manager role. Compensation and position will be commensurate with experience. *The hiring range represents Mutual of Enumclaw’s current hiring pay scale for this role. Mutual of Enumclaw reserves the right to modify or update this range any time. Exact compensation may vary based on skills and experience. Compensation is only one part of our entire total rewards package. To see some of the benefits and perks we offer, please click here. Responsibilities State Management: - Independently identify, prioritize, and drive organizational focus on profit/growth opportunities. - Build relationships and add value across core stakeholder departments (UW, Sales, Actuarial, IT, etc.). - Be the go-to expert on assigned lines of products, strategy, markets, business levers, data, and execution. - Effectively leverage data, analytics, and available supporting resources. - Oversee and maximize the value of state rate filings at all stages. - Point person for responses and action plans regarding regulatory matters. - Independently create, and oversee the creation of, influential presentations associated with the execution of day-to-day opportunities and broad strategic opportunities. - Fully leverage, motivate and develop analyst staff. Product Development: - Oversee the creation of a multiyear “product roadmap” for the delivery of new and updated products. - Complete ground-up builds of new products via form language. - Review and refresh existing form language on an ongoing basis. - Identify products/updates that would drive the largest market impact or mitigate the largest risks. - Be the point person and subject matter expert regarding MOE’s products, forms, and coverages. - Research market trends to proactively identify potential new products and coverages, or necessary adjustments to avoid gaps in the marketplace or regulatory exposure. - Design and facilitate training associated with any product launches and updates. Supervisory Responsibility: - Currently, none; however, there may be a requirement to supervise and manage analysts as the organizational structure may change and adapt to business needs. Qualifications Required Skills/Abilities: - Very strong analytic and project management capabilities. - Expert knowledge of P&C insurance products and the filing process. - Knowledge of predictive/pricing modeling methodology, and actuarial principles. - Knowledge of Underwriting principles, methodology, and general theory. - Expert use of PowerPoint and Excel. - Knowledge of SQL, SAS, VBA, and other programming/data management is a strong plus. - Translate analysis into coherent presentations and communication. - Experience in Underwriting and in the creation of new products, forms, and policy language. - Fully versed in the regulatory and legal review process necessary to support product approval. Education and Experience: - Bachelor’s Degree in Economics, Actuarial, Business Admin, Mathematics, or related analytic disciplines. - 5+ years of P&C experience in personal lines or small commercial/farm product management, actuarial, or sales/underwriting; but experience in portfolio-managed products would also be considered. - 5+ years in a core underwriting role which interacted directly with policy language. - Expert knowledge of insurance, actuarial principles, modeling, computer science, and data manipulation. - Experience managing direct reports and multiple stakeholder departments outside of the direct reporting relationship is a strong preference. - Experience with modeling and predictive analytics. - All the following would be considered preferred: - Graduate degree and/or related professional designations (Underwriting, Actuarial, and Finance). - Experience with managing products and interacting with regulatory environments in the states of Washington, Oregon, Idaho, Montana, Utah, Wyoming, and Arizona. - Experience working with an independent agency channel distribution. Physical Requirements: - Prolonged periods of sitting at a desk and working on a computer, including video conferencing.

Work Location: Wilmington, Delaware, United States of America Hours: 40 Pay Details: $115,440 - $186,160 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Line of Business: Product ManagementJob Description: The Senior Product Manager oversees the end to end management of assigned products, services and programs including features, benefits and characteristics that meet customer needs and are priced to meet the Bank's profit and loss objectives. The Senior Product Manager is accountable for building value proposition the business wants to deliver and mapping the investments required to get there. This role is responsible for formulating strategy, policy and overall direction of the identified product or suite of products portfolio. Depth & Scope: - Recognized as a strategic thinker with significant in-depth and/or breadth of expertise in a complex field and knowledge of broader related areas - Accountable for major functional areas with mass or niche products/segment suite and high levels of complexity and attributes - Generally accountable for a significant product management area that typically has enterprise wide impact or accountability - Enterprise or functional expert, requiring broad managerial and deep specialized knowledge at the enterprise, business, regulatory and industry levels - Senior specialist providing advisory services to executives, business segment leaders and governs the requirements for own work - May lead on product programs and projects on behalf of the business - Solves unique and ambiguous problems with broad impact; typically oversees standards, controls and operating methods that have significant financial and operational impact within the context of their own field - Develops and maintains a robust understanding of the regulatory requirements, customer, market, and industry to deliver product and process innovation to improve the value proposition - Develops and implements products/policies and procedures in such a way that it enhances the end to end customer experience (including training, enhancement and irritant reduction) while achieving business objectives - Oversees and ensures the clear and effective delivery of products and services to the customer - Acts as Subject Matter Expert for product-related inquiries - May lead business plans leveraging Acquisition and Segments teams to increase new account growth and track P&L impact - Liaises with partners (i.e. Marketing, Phone Channel, Retail) to understand industry and customer trends; analyzes challenges and identifies areas of opportunity through customer research, focus groups, and external secondary research; facilitates ideation sessions and builds necessary business cases for NPD, identifying solutions and building stronger plans for growth - Builds and maintains effective relationships with sales distribution, key internal stakeholders and/or external partners to ensure that customer needs are considered in strategic decisions and in the development of options, solutions and alternatives - Leads and facilitates problem solving sessions with partners and vendors - Designs end to end process for development, implementation, use, reporting and feedback on developed products and segments - Directs and coordinates market research to determine underlying customer needs – input to development process - Participates in the day to day management of the product(s), identifying and implementing product features and enhancements, providing business case support of recommendations and assisting in the strategic development of new initiatives - Adheres to enterprise frameworks or methodologies that relate to activities for own business area - Delivers financial results for the product/product suite via operation of all available levers: pricing, margin, volume etc., creates and delivers business cases to achieve strategic business results (acquisition, retention, customer experience, engagement and market share) - Supports Senior Management as a subject matter expert for the product(s) portfolio through all forms of written and verbal presentations, (product reviews, planning and forecasting, strategic review sessions) - Conducts ongoing industry and competitive analysis to obtain market insights and ensure Acquisition Teams are kept informed of matters to be competitive and win in the marketplace - Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques - Refines product management strategies through detailed analysis of the P&L, ongoing competitive research and review of marketing/risk management tactics - Ensures effective product policies and processes are established to support business processes align with risk appetite - Oversees product management deliverables within budget and as per the approved product plan, working with business partners to develop the content of those deliverables - Champions the development of the annual business plan and the monthly/quarterly forecast process - Contributes to and supports partner led projects as identified - Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards - Identifies and manages risks (market, credit, operational) associated with the product/segment - Develops/maintains productive working relationships with distribution channel owners - Is knowledgeable of and complies with Bank and Industry Codes of Conduct - Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite Education & Experience: - Undergraduate degree or product certificate and/or - 10+ years relevant experience - Previous Product experience required - Experience in leading strategy strongly recommended - Advanced knowledge of and ability to conduct product research, product analysis and development, forecasting, pricing, competitive intelligence - Knowledge of current and emerging competitor and market trends - Advanced ability to lead, plan, implement and evaluate program/project activities to ensure completion of product initiatives - Ability to forecast and contribute to strategic direction of the product management function and provide advice to senior leadership - Ability to establish goals and objectives that support the strategic plan - Skill in mentoring, coaching and performance management - Ability to communicate effectively in both oral and written form - Ability to work collaboratively and build relationships across teams and functions - Ability to work successfully as a member of a team and independently - Ability to exercise sound judgement in making decisions - Ability to analyze, organize and prioritize work while meeting multiple deadlines - Skill in preparing and managing budgets and P&L - Knowledge of and/or skill in using analytical software tools, data analysis methods and reporting techniques - Skill in using computer applications including MS Office - Ability to handle confidential information with discretion Preferred Qualifications: - Project Management Experience - Ability to cross-function - Previous existing customer credit card experience - Strong relationship management experience Employee/Team Accountabilities: - Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest - Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit - Participates in personal performance management and development activities, including cross training within own team - Keeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities - Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices - Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships - Contributes to a fair, positive and equitable environment that supports a diverse workforce - Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% - Domestic Travel – Occasional - International Travel – Never - Performing sedentary work – Continuous - Performing multiple tasks – Continuous - Operating standard office equipment - Continuous - Responding quickly to sounds – Occasional - Sitting – Continuous - Standing – Occasional - Walking – Occasional - Moving safely in confined spaces – Occasional - Lifting/Carrying (under 25 lbs.) – Occasional - Lifting/Carrying (over 25 lbs.) – Never - Squatting – Occasional - Bending – Occasional - Kneeling – Never - Crawling – Never - Climbing – Never - Reaching overhead – Never - Reaching forward – Occasional - Pushing – Never - Pulling – Never - Twisting – Never - Concentrating for long periods of time – Continuous - Applying common sense to deal with problems involving standardized situations – Continuous - Reading, writing and comprehending instructions – Continuous - Adding, subtracting, multiplying and dividing – Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information: We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best. Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role. Interview Process We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Sphere Labs The infrastructure moving the world's money today was built for another era: slow rails, walls between markets, and compliance layered in over time creating friction. Sphere Labs is building what comes next: modern, compliance-native infrastructure for cross-border payments and settlement, designed from the ground up to work for the businesses and regulated institutions it actually runs through. We work in active partnership with banks, licensed entities, and the regulators and jurisdictions shaping how global money moves, because the infrastructure that earns institutional trust has to be built alongside it. Backed by Coinbase, Kraken, The Chernin Group, Jump Trading, Hudson River Trading, and some of the world's largest sovereign affiliates, we're a fully remote, global team building at the moment stablecoins are crossing into mainstream finance and regulated institutions are ready for modern rails. We hire self-starters: strong communicators and systematic thinkers who can look at a blank page and build something real. If you want a meaningful role in how global money movement evolves, and the upside that comes with getting in early, we'd like to meet you. What You'll Do - Own the product roadmap for Sphere's Brazil market initiatives, working directly with regulated banking partners to bring stablecoin-powered cross-border payment products from concept to launch. - Lead product discovery, scoping, and delivery for cross-border payment flows — from BRL collection and FX conversion through stablecoin settlement and USD payout. - Drive API integration strategy between Sphere's infrastructure and partner banking platforms, defining requirements and working closely with engineering to ship. - Work with engineering - setting priorities, writing specs, and unblocking execution day-to-day. - Serve as the primary product interface with stakeholders at local partners — building trust, navigating regulatory nuance, and aligning on product direction. - Work cross functionally with other product domain owners to ensure flows meet the needs of global customers, as well as compliance and regulatory requirements from US based entities. - Define and track product metrics using data to inform direction and decisioning. - Identify and scope new product opportunities within the Brazil market beyond the initial partnership — including new customer segments, payment corridors, and stablecoin use cases. What We're Looking For Must-Haves - 3–5 years of product management experience. Not product ownership, not project management — actual PM work: running discovery, writing specs, shipping product, and iterating based on what you learn. - Payments domain experience. You've worked on bank integrations, payment processors, FX, or settlement infrastructure. You understand how money moves and what breaks. - Experience at a regulated financial institution or fintech operating under financial regulation — a bank, a licensed payment processor, an FX broker, or equivalent. You've shipped product where compliance isn't optional. - You've taken at least one product from inception through launch. Doesn't need to be massive — but you understand the full arc from problem discovery through scoping, build, and go-live. - Fluent in English and Portuguese, with strong written communication in both. You'll be writing specs, partner-facing documents, and internal strategy in both languages — often in the same day. - Experience working directly with engineering teams. You've had a squad and you've been in the weeds with them on prioritization, tradeoffs, and technical decisions. - Developed platform and/or API products. We are an API-first company and our teams must be developer-centric in how we approach our product. Strong Preferences - Experience at a fintech or financial institution operating in Brazil, or at a US-based company with Brazilian market exposure. Knowledge of integrating with local payment rails (ex. PIX) and payment partners is an important part of the payment lifecycle. - A mix of company stages on your resume. Pure startup experience is fine as part of the story, but we're looking for someone who has also operated within a more structured environment — a company with established processes, cross-functional dependencies, and organizational scale. - Crypto or stablecoin experience. You've worked on digital asset products, custody, on/off ramp infrastructure, or blockchain-based payment rails. Specifically in context of a regulated blockchain-related product. - Comfortable interfacing with senior executives at partner companies. This role involves regular interaction with C-level and director-level stakeholders at regulated institutions. You need to hold your own in those rooms. Nice-to-Haves - Technical background — CS degree, engineering experience, or equivalent experience working with API products, evaluating technical architecture, and interfacing with highly technical stakeholders. - Spanish language proficiency. We work closely with partners across LATAM, with many of our customers being having Spanish as their primary language. Why Sphere? We sit at the intersection of crypto infrastructure and regulated finance — at the moment those worlds are finally converging. That means: The window is now: For the first time in decades, the backbone of cross-border payments is being rebuilt. Legacy systems are fading, stablecoins are entering institutional finance, and the next settlement layer is being shaped right now. We're building it alongside the institutions that will run it, not around them. High ownership, no playbook: This is early-stage work. You'll be making decisions, building processes from scratch, and setting the direction instead of just following one. We're looking for people who don't wait for instructions, but jump in and figure things out. Adaptability is the job: Strategy pivots here aren't failures, they're how we stay ahead of a fast-moving market and that's our strength. Real traction, real stakes: SpherePay is live and trusted by 200+ businesses. SphereNet is in active development with banks and regulators across 18 jurisdictions and counting. There's real demand, real momentum, and a huge opportunity to shape what comes next.