AVP, Product Manager, Payments

Cross River • Fort Lee, NJ

20h

About The Position

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

The Product Manager will work in an ambiguous, fast-moving environment, providing context and clarity to engineering, operations, compliance, business, and leadership teams. The role leads through influence and collaboration, translating customer and business needs into clear product direction. It also includes defining API experiences, improving payment reliability and operational support, and prioritizing new rails and capabilities.

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 their needs into product requirements.
• Ability to diagnose payment failures, trace root causes, and work with engineering to resolve them.
• Energy and presence that elevate the team.

Responsibilities

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

What This Job Offers

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