Director of Product, Money Movement

Tapcheck•Plano, TX

1d•Remote

About The Position

Tapcheck is seeking a Director of Product, Money Movement to own the strategy and execution of Tapcheck’s end-to-end money movement ecosystem. This role has holistic accountability for: Outbound payments (how Tapcheck sends money) Inbound repayments and collections (how Tapcheck recovers funds) Payment instruments (cards and accounts) Payment rails (ACH, real-time payments, debit, card networks, invoicing, and partner integrations) The Director of Product, Money Movement ensures these systems operate as one coherent, scalable, and auditable platform, supporting both our current B2B2C model and our expansion into new products and business models. This is a senior product leadership role with meaningful scope and ownership. While you will lead through influence and collaboration, you are also expected to stay close to the work—grounded in systems, data, and execution—so decisions are fast, informed, and durable. Why This Role Matters Tapcheck’s platform was originally built for simpler financial flows. Today, our business has evolved: Funds may be disbursed once and repaid across many employers Payroll partners may aggregate repayments across clients Employee-level transactions must map cleanly to employer and partner identities Every dollar must be traceable, reconcilable, and compliant As complexity increases, money movement cannot be optimized in silos. This role exists to ensure payments, repayments, data models, and accounting realities work together seamlessly as Tapcheck scales. What You’ll Do End-to-End Money Movement Strategy 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. Payments & Disbursements (Money Out) 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. Repayments, Collections & Money In 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. Partner closely with Repayments Product, Payment Operations, Risk, Data, and Accounting to ensure recovery is predictable, transparent, and auditable. Systems, Data & Financial Integrity 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. Execution, Economics & Leadership 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.

Requirements

Experience building or scaling payment platforms, financial infrastructure, or transaction-heavy systems.
Comfort owning both money-out and money-in flows, even if prior experience skews toward one.
Strong intuition for data modeling, operational realities, and accounting implications.
A hands-on leadership style—able to dive into details when needed while maintaining strategic clarity.
The ability to move quickly and decisively without sacrificing correctness or completeness.

Nice To Haves

Experience working with banks, payment processors, payroll providers, or fintech infrastructure partners.

Responsibilities

Own the product vision and roadmap for Tapcheck’s full money movement lifecycle
Lead strategy for outbound payments
Be accountable for the strategy and integration of Tapcheck’s repayments ecosystem
Ensure every transaction—outbound or inbound—is Fully traceable, Correctly attributed, Reconcilable across operational systems and financial reporting
Own unit economics across money movement
Define and track KPIs that reflect real system health
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.