Product Owner Jobs

About The Position

Requirements

• At least 7 years of experience in merchant acquiring or payment processing, including at least 3 years as a Product Owner or Business Analyst on reconciliation, settlement, or finance systems.
• Strong merchant-domain knowledge covering the transaction lifecycle from authorization to merchant funding, interchange and merchant pricing, chargebacks, and merchant adjustments.
• Hands-on reconciliation experience with matching rules, break management, general-ledger postings, and settlement and funding files.
• Working knowledge of Visa and Mastercard clearing and settlement reports.
• At least 2 years working in a SAFe environment, including PI Planning and managing dependencies across teams on an Agile Release Train.
• Experience writing features, user stories, and acceptance criteria in Jira or a similar tool.
• Ability to query transaction and ledger data using SQL to investigate breaks.
• Clear written and spoken communication, with experience working across finance, operations, and technology teams and presenting to senior stakeholders.
• Bachelor’s degree in finance, accounting, business, computer science, or a related field, or equivalent experience.

Nice To Haves

• Certifications in product management, payments, or related fields.
• Knowledge of financial regulations, compliance standards, and industry best practices.
• Experience working in fast-paced, agile environments.

Responsibilities

• Own the product backlog for merchant transaction, settlement, funding, fee, and chargeback reconciliation.
• Define matching rules across authorization and clearing records, card-network settlement reports, bank settlement accounts, the general ledger, and merchant funding files.
• Specify how reconciliation breaks are detected, categorized, aged, routed, and resolved, including match tolerances, auto-match targets, and manual workflows.
• Own requirements for interchange and scheme-fee reconciliation, including comparing network-billed fees with merchant-charged fees and flagging downgraded or misqualified transactions.
• Define reconciliation for chargebacks, representments, reversals, and merchant adjustments against merchant ledgers and reserve balances.
• Own requirements for ingesting, validating, and processing settlement, funding, and reconciliation files from networks, processors, and partner banks.
• Work with finance on general-ledger mapping, month-end close, suspense and clearing account balances, and SOX controls.
• Specify reports and dashboards for match rates, open breaks by age and value, unreconciled funds, and month-end status.
• Serve as the merchant acquiring subject matter expert for engineering teams, covering authorization, clearing, settlement, interchange, merchant pricing, and funding timelines.
• Ensure merchant statements reconcile to merchant deposits and work with servicing teams on reconciliation-related merchant inquiries.
• Review reconciliation impacts of card-network mandates and new products before launch.
• Write and split features into stories, conduct backlog refinement, and participate in PI Planning, system demos, and Inspect and Adapt on a SAFe Agile Release Train.
• Work with the Product Manager and other Product Owners to manage cross-team dependencies.
• Run sprint planning and sprint reviews, and accept or reject completed stories against acceptance criteria.
• Provide regular updates to finance, settlement operations, merchant servicing, risk, and audit stakeholders on scope, dates, and trade-offs; flag schedule slips early with options.
• Explain reconciliation logic and system behavior to finance users and translate finance requirements into technical terms for engineers.
• Lead requirements workshops and UAT sessions, and support production releases and post-go-live defect triage.

Benefits

• Highly competitive compensation and benefits package.
• Possibility to work abroad.
• 10 days of paid annual leave, plus sick leave and national holidays.
• Maternity and paternity leave plans.
• Comprehensive insurance plan including medical, dental, vision, life insurance, and long- and short-term disability; plans vary by region.
• Retirement savings plans.
• Higher education certification policy.
• Commuter benefits, varying by region.
• Extensive training opportunities focused on skills, substantive knowledge, and personal development.
• Free on-demand Udemy for Business access to more than 5,000 curated courses for Synechron employees.
• Coaching opportunities with experienced colleagues from Financial Innovation Labs and Center of Excellences groups.
• Cutting-edge projects at leading tier-one banks, financial institutions, and insurance firms.
• Flexible workplace arrangements, mentoring, internal mobility, and learning and development programs.