Senior Product Owner - Digital Payments

Qode • South Carolina, SC

1d • Hybrid

About The Position

The Senior Product Owner will lead the strategy, roadmap, and delivery of digital payment capabilities, with a focus on real‑time money movement , P2P payments , and payment‑network integrations (e.g., Zelle or comparable platforms). This role requires strong product leadership, deep payments domain knowledge, and the ability to collaborate across engineering, operations, fraud/risk, and compliance teams.

Requirements

• 7–10+ years of product management or product ownership experience.
• Hands‑on experience supporting digital payment networks (Zelle, RTP, FedNow, ACH, or similar).
• Strong understanding of payment rails, fraud/risk, KYC/AML, and financial‑services regulatory frameworks.
• Proven ability to lead Agile teams and deliver complex technical products.
• Experience writing clear user stories, acceptance criteria, and functional requirements.
• Excellent communication, analytical, and stakeholder‑management skills.

Nice To Haves

• Experience with banking core systems, payment orchestration engines, or API‑driven financial platforms.
• Familiarity with network certification processes, fraud‑detection tools, or risk‑scoring models.
• Certifications such as CSPO, PSPO, SAFe PO/PM, or equivalent.
• Experience working in consulting or client‑facing delivery environments.

Responsibilities

• Own and evolve the product strategy for digital payments, including instant transfers, P2P capabilities, and money‑movement enhancements.
• Lead integrations with digital payment networks; manage certification, rule compliance, and ongoing operational alignment.
• Translate business needs into user stories, acceptance criteria, and prioritized backlogs.
• Partner with engineering to drive sprint planning, grooming, and release execution.
• Work with fraud, risk, and compliance teams to ensure secure, compliant payment experiences.
• Oversee payment flows including authorization, posting, settlement, exceptions, and reconciliation.
• Serve as the primary liaison across business, operations, customer support, and technology teams.
• Define and track KPIs such as payment success rate, fraud loss rate, adoption, and transaction latency.
• Support production stability, root‑cause analysis, and continuous improvement initiatives.

What This Job Offers

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