Director, Product Operations – Wallets and Card Issuance

Western Union • Atlanta, GA

7d • $200,000 - $215,000 • Hybrid

About The Position

The Director of Product Operations – Wallets and Card Issuance shapes and executes product operations strategy for account-based products, including digital wallets, payment systems, and core account platforms. The role drives operational excellence, risk controls, fraud management, reliable daily execution, and improvements across embedded financial services.

The director oversees product operations for core account services, payment wallets, and embedded finance products; serves as a subject matter expert in card and account operations; and leads product readiness for launches, upgrades, migrations, and sunsetting. The role coordinates with product, engineering, compliance, risk, customer operations, partner banks, fintechs, and vendors to ensure operational performance and service standards. It also defines fraud and risk requirements, monitors operational metrics, leads issue analysis and response, and ensures products and operations meet applicable regulations and industry standards.

This is a hybrid role. The base salary range is $200,000–$215,000 per year, with total on-target compensation including a variable target incentive aligned with individual and company performance. Applicants are required to complete assessments administered by a third-party provider.

Requirements

• Bachelor’s degree in business, operations, finance, information systems, or a related field.
• At least 10 years of experience in banking operations, payments, core account services, or financial services product operations.
• At least 5 years of experience in a leadership role.
• Deep knowledge of US-based card issuing and digital wallets.
• Deep knowledge of US payment systems, including ACH, wires, RTP, and card networks, as well as banking regulations and compliance requirements.
• Proven experience managing operational risk, fraud prevention, incident response, and regulatory audits.
• Strong technical understanding of core banking platforms, APIs, digital wallets, and embedded finance ecosystems.
• Track record leading large-scale operational improvement projects and successful product launches.
• Exceptional analytical, problem-solving, and decision-making skills, including experience using data to drive operational outcomes.
• Outstanding communication, negotiation, and stakeholder management abilities.
• Demonstrated ability to build and lead high-performing teams in a fast-paced, dynamic environment.

Nice To Haves

• Master’s degree or equivalent experience.
• Experience with BSA/AML, Reg E, Reg Z, NACHA, and PCI DSS compliance.

Responsibilities

• Oversee end-to-end product operations for core account services, payment wallets, and embedded finance products, driving operational efficiency, scalability, and reliability.
• Serve as a product operations subject matter expert for cards, account origination and maintenance, settlement, clearing, and reconciliation.
• Develop and implement product requirements and directions that influence internal policies and procedures, and drive compliant product improvements.
• Champion product automation and digital transformation to improve the speed and accuracy of operational workflows.
• Drive continuous improvement, anticipate operational risks, and ensure solutions are scalable and future-proof.
• Manage internal and external product operations and ensure seamless integration and performance across platforms and channels.
• Serve as the US Wallet product operations liaison with product, engineering, compliance, risk, customer operations, and external partners.
• Oversee operational readiness for US Wallet products and services, including launches, upgrades, migrations, and sunsetting, while minimizing business disruption.
• Monitor and report operational metrics, conduct root cause analysis, and execute rapid response plans.
• Own operational delivery of features across digital and retail channels, including card processing, wallet integrations, and API-based offerings.
• Work with partner banks, fintechs, and third-party vendors to ensure operational standards and service-level agreements are consistently met.
• Define requirements for fraud prevention and risk management strategies for payments and core account services, including limit management, and collaborate with internal teams to implement them.
• Collaborate with data analytics and engineering teams to build real-time monitoring tools and incident response frameworks.
• Ensure products and operations comply with applicable regulations and industry standards, including BSA/AML, Reg E, Reg Z, NACHA, and PCI DSS.
• Lead investigations of suspicious activities and partner with legal and compliance teams on periodic risk assessments.
• Build and lead high-performing teams in a fast-paced environment.

Benefits

• Short-term incentives and a variable target incentive aligned with individual and company performance.
• Multiple health insurance options, including medical, dental, and life insurance.
• Accident insurance.
• Parental leave.
• Family First Programs.
• Tuition Repayment Assistance Program.
• Access to development platforms.

What This Job Offers

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