Staff Product Manager – Disbursements

Role Overview

• 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.
• 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.
• 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.
• 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.
• 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.
• 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.

Requirements

• 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.)

Tech Stack

• Ruby on Rails

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