PayNearMe

Staff Product Manager – Disbursements

PayNearMe

full-time

Posted on:

Location Type: Remote

Location: CaliforniaUnited 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