AVP, Product Manager, Payments

Cross River • Fort Lee, NJ

1d • $180,000 - $220,000

About The Position

Cross River is seeking an AVP-level Product Manager to own the core US payment rails: ACH, Wire, RTP, and FedNow. The role is responsible for strategy and execution that makes these payment rails faster, more reliable, and easier for partners to use as the business scales.

The position operates in an ambiguous, fast-moving environment and requires providing context and clarity to engineering, operations, compliance, and business teams. The Product Manager leads through influence and collaboration, working with engineers and customers to translate complex business needs into clear product direction.

Requirements

• At least 3 years of experience in product management or engineering roles, including experience building payment products or infrastructure.
• Deep understanding of US payment rails, including ACH, Wire, RTP, or FedNow, and how money moves through these systems.
• Technical fluency and effectiveness working with engineers, including the ability to read API specifications, understand system architecture, and make technical tradeoffs.
• Ability to provide clear context and drive focus in dynamic, ambiguous environments with multidisciplinary teams.
• Track record of shipping products that balance client needs, compliance requirements, and engineering feasibility.
• Comfort working directly with clients to understand their businesses and translate needs into product requirements.
• Ability to diagnose payment failures, trace root causes, and work with engineering to resolve them.
• Energy and presence that elevates the team.

Responsibilities

• Own the product roadmap for ACH, Wire, RTP, and FedNow.
• Balance quantitative data and qualitative customer input, while integrating product, design, creative, operational, and engineering perspectives and partnering with other teams.
• Provide context and clarity, and influence compliance, operations, engineering, and leadership.
• Represent the customer internally by understanding partners’ payment flows and advocating for their needs across compliance, operations, and engineering.
• Improve reliability and scale by diagnosing payment failures, working with engineering to fix root causes, and creating operational runbooks to support growing volume.
• Define how payment rails are exposed through APIs, including developer experience, consistency across schemes, and client monitoring and troubleshooting.
• Prioritize new rails or capabilities based on partner demand, technical feasibility, and strategic value.
• Resolve conflicting requirements by balancing speed, compliance, client requests, and engineering constraints, including when information is incomplete.
• Drive accountability for self and others in service of high-quality work.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed