
Staff Product Manager – Disbursements
PayNearMe
full-time
Posted on:
Location Type: Remote
Location: California • United States
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Salary
💰 $200,000 - $235,000 per year
Job Level
Tech Stack
About the role
- 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.
Requirements
- 15+ years of product management experience, with deep expertise in payments, money movement, disbursements, or payout platforms
- Strong understanding of payment rails including ACH, wires, RTP, FedNow, card-based payouts, and digital wallets
- Proven experience owning financial infrastructure, including ledgering, reconciliation, settlement, and exception handling
- Experience working directly with accounting, finance, and compliance teams
- Demonstrated ability to lead complex, cross-functional initiatives at scale
- Strong analytical and systems-thinking mindset, with attention to detail and data integrity
- Excellent communication skills and a track record of producing high-quality product documentation
- Experience operating in agile development environments (JIRA, Confluence, etc.)
Benefits
- Competitive salary and benefits with growth-company options grant
- Fast- paced and professional work culture
- Stock options with standard startup vesting - 1 year cliff; 4 years total
- $50 monthly communication expense stipend to go towards your phone/internet bill
- $250 stipend to enhance your WFH setup
- Reimbursement for peripheral equipment: monitor (up to $400), keyboard and mouse (up to $200)
- Premium medical benefits including vision and dental (100% coverage for employees)
- Company-sponsored life and disability insurance
- Paid parental bonding leave
- Paid sick leave, jury duty, bereavement
- 401k plan
- Flexible Time Off (our team members typically take off ~3-4 weeks per year)
- Volunteer Time Off
- 13 scheduled holidays
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
product managementpaymentsmoney movementdisbursementsledgeringreconciliationsettlementexception handlinganalytical skillssystems thinking
Soft Skills
communication skillsattention to detaildata integrityleadershipcollaborationrelationship managementstrategic thinkingproblem-solvingcross-functional teamworkagile mindset