Head of Product, Merchant Services

Wells Fargo•Atlanta, GA

1d•$250,000 - $420,000

About The Position

Wells Fargo is seeking a visionary, execution-focused Product Executive to lead product strategy, innovation, and delivery for Merchant Services across Business Banking, Commercial Banking, and Corporate & Investment Banking. The portfolio includes card-present and card-not-present payments, integrated payments, partner solutions, small-business, commercial, and enterprise merchant solutions, and value-added services across the payments lifecycle. The role is accountable for the overall Merchant Services product experience and platform modernization, including internal and client-facing solutions. It partners closely with solution providers, digital commerce platforms, and strategic processing and network partners. The executive will set multi-year product strategy, develop and commercialize secure, scalable solutions, improve omnichannel client experiences, modernize platforms, manage risk and regulatory considerations, and lead a high-performing product organization.

Requirements

10+ years of Product Management experience, or equivalent demonstrated through work experience, training, military experience, education, or a combination of these.
6+ years of Management experience.

Nice To Haves

Deep expertise in merchant services, including acquiring, POS ecosystems such as Clover, and enterprise payments.
Strong understanding of payment gateways, APIs, digital commerce platforms, and embedded finance models.
Proven success leading platform modernization and digital transformation initiatives.
Strong familiarity with card network rules, interchange economics, and merchant pricing models.
Exceptional ability to influence C-suite stakeholders and drive enterprise alignment.
Proven experience owning product portfolio strategy at scale.
Agile mindset, bias for action, and iterative execution.
Strong analytical skills and ability to translate data into strategic decisions.
Exceptional communication and stakeholder engagement capabilities.
Experience managing risk and regulatory engagement in a financial services context.
Deep understanding of merchant acquiring economics and competitive dynamics.
Ability to anticipate disruption in payments and position the firm accordingly.
Results-oriented focus on P&L impact, client growth, and market-share expansion.

Responsibilities

Define and lead the multi-year Merchant Services product strategy for SMB, middle-market, and large-enterprise clients.
Shape Wells Fargo’s go-to-market position across core acquiring, integrated payments, and digital commerce ecosystems.
Identify and scale opportunities in real-time payments, eCommerce, omnichannel acceptance, payments orchestration, and merchant data solutions.
Champion innovation in digital onboarding, cash-flow forecasting, and integration with firm-wide digital assets.
Build and scale secure, client-centric solutions for payment acceptance and optimization, business management, digital onboarding and servicing, and internal servicing and operations.
Ensure product offerings are consistent and scalable across client segments; package, launch, and commercialize solutions across merchant segments.
Deliver a seamless omnichannel merchant experience across in-store, online, mobile, and embedded environments.
Lead innovation in merchant-facing onboarding and underwriting, real-time reporting and analytics, fraud and chargeback management, and API-first developer experiences.
Monitor emerging technologies, including stablecoin, digital assets, agentic payments, and next-generation payments, and ensure products remain competitive.
Partner with Technology to modernize merchant platforms, including cloud-based infrastructure and API-driven architecture.
Oversee large-scale product development and transformation initiatives, maintaining speed to market and execution discipline.
Drive alignment across Sales, Relationship Management, Operations, Risk, and Marketing to ensure seamless product delivery.
Ensure end-to-end compliance with card network rules, regulatory standards, and third-party risk frameworks.
Embed risk and controls into product design and partner with Risk, Legal, and Compliance on evolving payment regulations and network mandates.
Navigate internal stakeholders and drive enterprise alignment, adoption, successful product launches, and sustained performance.
Build and lead a high-performing product organization across segment-based and platform-based teams.
Promote a culture of innovation, speed, accountability, inclusion, and client-centricity; develop succession pipelines and future product leaders.