Product Owner Jobs

About The Position

Requirements

• At least 6 years of experience in product ownership, business analysis or product delivery within payments, banking, fintech or core processing environments.
• At least 3 years of hands-on experience with ACH payments, including origination, posting, exceptions, returns, NOCs and settlement operations.
• At least 3 years of experience managing product backlogs, writing epics, features and user stories, and defining acceptance criteria for technology delivery teams.
• At least 3 years of experience applying NACHA operating rules and governance expectations to ACH processing, controls and product requirements.
• Experience collaborating with compliance and risk stakeholders on ACH controls related to Regulation E, OFAC requirements, fraud considerations and operational risk.
• Experience using operational and product metrics to prioritize enhancements, investigate defects and improve product reliability.
• Bachelor’s degree or higher in Business, Finance, Information Technology or a related field, or an equivalent combination of education, related experience and/or military experience.
• Must currently possess valid and unrestricted U.S. work authorization; candidates requiring sponsorship now or in the future will not be considered.

Nice To Haves

• Experience with Finxact ACH concepts and configuration patterns, including network ACH controls and return or NOC behaviors.
• Familiarity with API-based product ecosystems and tools such as Postman for workflow validation.
• Understanding of ODFI and RDFI roles, SEC codes, prenotes, same-day ACH constraints and settlement risk considerations.
• Experience supporting go-to-market readiness through internal enablement, implementation guidance and product documentation.

Responsibilities

• Own the ACH product backlog, feature priorities and release scope aligned to company goals, client needs and market demands.
• Define feature-level objectives and success metrics for ACH capabilities, including straight-through processing, exception rates, return rates and settlement timeliness.
• Develop requirements and acceptance criteria for ACH use cases, including origination, incoming processing, returns, Notifications of Change (NOCs), reversals and same-day ACH.
• Translate NACHA rule updates and regulatory changes into actionable product requirements, controls and implementation plans.
• Lead cross-functional discovery and delivery with engineering, architecture, risk, compliance, operations and client-facing teams.
• Own ACH exception and decisioning experiences, including workflows for pay and return decisions, NOC handling and return file outcomes.
• Partner with API and platform teams to define ACH APIs, event flows and integration patterns with internal and external systems.
• Validate product increments through scenario-based testing and user acceptance, including edge cases across returns, NOCs and settlement windows.

Benefits

• Fuel Your Life program supporting physical, financial, social and emotional well-being.
• Paid holidays and generous time away policies.
• No-cost mental health support through Employee Assistance Programs.
• Living Proof peer-recognition program with points redeemable for rewards.
• Eight Employee Resource Groups.
• Professional growth through training, development and internal mobility opportunities.
• Medical, dental, vision, life and disability insurance options available from day one.
• Retirement planning including a 401(k) match and discounted shares through the Employee Stock Purchase Plan.
• Tuition assistance and reimbursement program.
• Paid parental and military leave.