PayNearMe

Financial Planning and Analysis

• Maintain and enhance Adaptive Planning models for OpEx, headcount, and select COGS-related expenses
• Update and manage driver-based models (e.g., headcount, transaction volumes, infrastructure usage)
• Perform monthly headcount maintenance by reconciling HRIS and Adaptive data
• Partner closely with People Ops to ensure alignment on hiring status
• Support annual budget, reforecast, and long-range planning cycles for OpEx across multiple departments
• Prepare monthly variance analysis (actuals vs. budget/forecast) and clearly explain key drivers
• Support forecasting and analysis of transaction-driven costs, including cloud infrastructure, data platforms, and third-party vendors

FP&A Analyst II

Product Manager

• Own the multi-year product roadmap for the full money movement lifecycle, with a primary focus on disbursements to consumers.
• Define and communicate a clear product vision for outbound payments that balances speed, reliability, compliance, operational efficiency, and cost.
• Lead the evolution of the disbursements platform and expand product capabilities to support new use cases, partners, and payment rails.
• Lead the strategy for selecting, routing, and optimizing payments across multiple rails, including ACH, wires, RTP, FedNow, push-to-card, and digital wallets.
• Define rules and product capabilities that intelligently route payouts based on speed cost, reliability, risk, and client expectations.
• Responsible for driving the vision for end to end money movement for disbursement funding.
• Ensure every outbound transaction is fully traceable, correctly attributed, and reconcilable across systems by owning product requirements for ledgering, reconciliation, error handling, and payout transparency.
• Partner closely with accounting and finance to ensure accurate ledgering, settlement reporting, and audit readiness.
• Translate complex money movement flows into clear product requirements, user stories, and technical specifications.
• Own backlog prioritization and delivery in partnership with engineering leadership balancing feature delivery, platform resilience, and regulatory commitments.
• Lead large-scale platform initiatives alongside incremental product enhancements with multiple cross functional development teams.
• Partner with Clients and the Vertical teams to understand their needs and build scalable features that can be leveraged across multiple clients.
• Build and manage critical relationships with banks, processors, and fintech infrastructure partners.
• Serve as the internal subject matter expert for disbursements, payouts, and outbound money movement.
• Work closely with compliance and risk teams to design controls, limits, monitoring, and regulatory-aligned payout flows.

Staff Product Manager – Disbursements

Full-stack Engineer

• Scope, design, build, and maintain APIs, services, and workflows that reliably process high-scale money movement and settlement.
• Own the architectural direction for the settlement domain in partnership with the CTO; produce and maintain architecture documentation (current state, target state, and migration plan) and drive alignment across teams.
• Review and approve architecture decision records (ADRs) and technical designs for settlement-related changes; ensure decisions meet standards for correctness, operability, security, and long-term maintainability.
• Drive end-to-end execution for large, ambiguous initiatives: reduce risk early, align stakeholders, and deliver in phases.
• Improve correctness and operational safety across settlement flows: deeply understand how money moves end-to-end (timing, state transitions, adjustments, exceptions), design for edge cases, and implement idempotency, reconciliation guarantees, safe backfills, incident readiness, and disciplined releases.
• Partner with Engineering Manager, Product, Performance, CTO, and other Staff peers to shape roadmaps and strategy for settlement—develop deep expertise in both the technical system and the business needs (what clients require from settlement, reporting, timing, and exception handling) and translate that into durable platform capabilities.
• Raise engineering standards across the team and broader org by partnering with other Staff engineers to define and drive consistent patterns for building and operating money- movement systems (design reviews, abstractions, testing strategy, observability, and operational practices) across monolith + microservices.
• Drive adoption of AI-assisted engineering practices (tooling, workflows, guardrails) to improve throughput and quality—especially for testing, incident response, code review, and documentation.

Staff Software Engineer, Rails, Go

• Own the product vision, strategy, and roadmap for fraud prevention, risk management, and compliance
• Synthesize client usage, market research, competitive analysis, and client feedback into actionable insights that inform strategy and investment themes
• Communicate product vision and priorities, across teams and stakeholders.
• Translate regulatory, risk, and operational requirements into clear product requirements, user stories, and success metrics
• Collaborate with Compliance, Legal, and Risk teams to ensure products meet banking and regulatory obligations and business requirements
• Use quantitative and qualitative data to identify emerging fraud trends, evaluate risk exposure, and prioritize product investments
• Balance risk mitigation with customer experience, minimizing friction while maintaining strong protections
• Serve as a subject-matter expert and advocate for fraud, risk, and compliance considerations across the product organization
• Deliver scalable, automated, and data-driven solutions to mitigate fraud and financial risk across ACH, cards, cash payments, real-time payments, and partner integrations
• Act as a thought partner and subject-matter expert on fraud, risk, and compliance across the Product organization

Senior Product Manager – Risk/Compliance

Marketing

• Design and execute targeted marketing programs that drive client engagement, product adoption, and retention
• Develop segmented communication strategies based on client lifecycle stage, vertical, and product usage
• Create compelling content (case studies, success stories, webinars, newsletters) that demonstrates value and best practices
• Drive attendance and engagement for training and educational programs
• Partner with sales and customer success teams to identify upsell and cross-sell opportunities
• Build and manage nurture campaigns that move clients toward expansion conversations
• Develop reference programs and advocacy initiatives that turn satisfied clients into promoters
• Define success metrics for client marketing programs and track performance against goals
• Identify friction points in the customer journey and improve touch points
• Analyze client engagement data to identify trends, opportunities, and areas for improvement
• Conduct regular program reviews and iterate based on performance insights
• Partner closely with Product Marketing to translate product positioning, messaging, and launches into client-facing communications and adoption campaigns
• Collaborate with Product Operations to understand product launch metrics, product usage patterns, and operational insights that inform marketing strategy and segmentation
• Partner with internal teams to develop customer education content (guides, training paths, release explainers)
• Train internal teams on how and when to use programs
• Work with customer success, sales, and product teams to align on client priorities and initiatives
• Support Product Marketing initiatives by providing client feedback and market intelligence from the field

Customer Marketing Manager

Account Executive

• Drive new business by targeting banks, credit unions, and financial institutions, focusing on their recurring loan repayment and deposit/withdrawal needs.
• Conduct high-volume sales outreach (discovery, demos, contract negotiation, close), with the goal of closing 3-4 deals per quarter.
• Clearly articulate and demonstrate the value of PayNearMe’s payment solutions, with an emphasis on bill pay functionality.
• Collaborate closely with the payments team, including credit union SMEs and technical experts, to deliver tailored solutions.
• Stay current on trends in EBPP, ACH, debit card payments, and evolving customer expectations around recurring payment experiences.
• Partner cross-functionally with Marketing, Product, and Client Services to support new customer onboarding and optimize product-market fit.
• Log activities, maintain pipeline hygiene, and provide accurate forecasts using CRM systems.

FP&A Analyst II

Staff Product Manager – Disbursements

Staff Software Engineer, Rails, Go

Senior Product Manager – Risk/Compliance

Customer Marketing Manager

Sales Executive – Bank/Credit Union Sales