Director, Product Management — Payments & Fraud Management

Gap Inc. • San Francisco, CA

5d

About The Position

The Customer Journey product management organization within GTS owns the end-to-end digital and omnichannel customer experience — from how customers discover our products, to how they choose, purchase, receive, and build lasting relationships with our brands. Our operating model is built on a core belief: owning capability performance, not just feature delivery. Every team in Customer Journey is accountable for measurable business impact — we drive adoption with cross-functional partners and iterate until capabilities perform, connecting product management craft to the metrics that matter to our brands and our customers. We partner closely with Engineering, UX, Data Science & Analytics, Architecture, and our brand and merchant organizations to deliver experiences that drive growth and build customer loyalty. Customer Journey is at the center of Gap Inc.’s commerce transformation — leveraging AI, unified commerce, and modern content operations to build the next generation of omnichannel retail experiences. The Director, Product Management — Payments and Fraud is a senior product leadership role within the Purchase Value Stream, responsible for omnichannel payment processing, fraud prevention, payment innovations, gift card and Gap Inc. Credit Card integration across all brands and channels. This leader owns the trust infrastructure of every transaction — ensuring payments are fast, secure, and flexible whether customers pay online, in-store, or through marketplace channels. Payments infrastructure is shared across brands and encompasses traditional tenders (credit and debit), closed loop products (cobranded credit, private label credit, and gift card) as well as alternate payment methods such as digital wallets and BNPL. This Director must balance payment innovation and conversion optimization with security and compliance requirements — keeping legitimate transactions flowing while preventing fraud. Leading a team of product managers, this Director shapes payments and fraud strategy alongside the Sr. Director of Purchase Value Stream while owning cross-product-area outcomes, performance reviews, and team development.

Requirements

• Bachelor’s degree in Business, Computer Science, or related field; MBA or advanced degree preferred.
• 8+ years of product management experience in payments, fintech, commerce platforms, or transaction systems, including 3+ years leading product teams.
• Proven experience building or scaling payment platforms that measurably improved authorization rates, reduced fraud, or expanded payment method adoption.
• Strong technical acumen in payment gateways, fraud detection systems, PCI-DSS compliance, and payment processing architecture.
• Exceptional cross-functional influence across Finance, Legal/Compliance, Engineering, and Store Operations partners.

Nice To Haves

• Experience with omnichannel payment solutions spanning online, in-store, and marketplace channels at enterprise scale.
• Knowledge of emerging payment technologies including buy now pay later, tokenization, biometric authentication, and digital wallets.
• Familiarity with card network rules, PCI-DSS compliance requirements, and fraud prevention platforms.
• Experience partnering with co-brand card programs or financial services partners (e.g., Barclays or equivalent).
• Experience designing fraud prevention strategies that use machine learning or AI-based risk scoring to balance security with transaction completion rates.

Responsibilities

• Define and execute the omnichannel payments and fraud strategy — spanning online, in-store, and emerging payment methods (buy now pay later, digital wallets) — across all four brands and all channels.
• Lead a team of product managers, owning product-area goals, delivery outcomes, and talent development across payment and fraud surfaces.
• Present at Value Stream Performance Reviews with product-level goals, progress updates, and escalations for Sr. Director visibility.
• Drive AI-based fraud prevention capabilities that enhance security and transaction trust without creating unnecessary friction for legitimate customers.
• Own cross-functional dependencies — particularly with Cart & Checkout (payment integration at checkout), Store Mode & POS (in-store payment processing), and Lifecycle & Loyalty (rewards redemption and Gap Inc. Card integration).
• Contribute substantively to the Sr. Director’s quarterly strategy planning, translating payment technology trends, fraud landscape changes, and competitive payment innovation into strategic product direction.
• Partner with Finance, Legal/Compliance, and cross-functional payment stakeholders to ensure payment capabilities meet regulatory requirements and business objectives.
• Champion data-driven experimentation to optimize payment success rates, reduce fraud false positives, and expand payment method adoption across channels.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior