Technical Product Owner
PDI Technologies
Technical Product Owner, Payments
Wellfit
full-time
Posted on:
Location Type: Hybrid
Location: Irving • Texas • 🇺🇸 United States
Visit company websiteSalary
💰 $120,000 - $140,000 per year
Job Level
Mid-LevelSenior
Tech Stack
MicroservicesSplunkSQL
About the role
- Own the core payments platform backlog, focusing on backend systems—authorization, capture, refund, batch settlement, disbursement, and ledger updates.
- Translate PayFac business requirements into technical Epics that define transaction logic, fund flow, and clearing/settlement behavior.
- Partner with Engineering and Architecture to design scalable APIs and microservices supporting merchant onboarding, payment processing, merchant and internal team reporting and monitoring, and sub-merchant settlements.
- Manage integrations with processors, acquiring banks, and card networks (e.g., Worldpay, Fiserv, TSYS, Elavon) including certification and compliance tracking.
- Support merchant lifecycle operations: KYC/KYB onboarding, underwriting, tokenization, dispute management, and funding.
- Lead coordination across ACH, card-present, and card-not-present transaction flows.
- Oversee gateway and acquiring configurations, surcharging and convenience fee logic, and network tokenization.
- Collaborate with Finance on reconciliation, settlement balancing, and chargeback automation.
- Ensure all services maintain PCI DSS and network compliance while supporting operational scalability.
Requirements
- Bachelor’s degree in Computer Science, Information Systems, or related technical field.
- 3–5+ years as a Product Owner, Technical Analyst, or Product Manager in card processing, PayFac, or payment gateway environments.
- In-depth understanding of fund flows, merchant acquiring, and payment lifecycle events (auth, capture, refund, clearing, and settlement).
- Familiar with financial messaging standards such as ISO8583, ISO20022, NACHA, and REST-based payment APIs.
- Experience managing processor integrations, sub-merchant funding models, and chargeback/dispute processes.
- Knowledge of tokenization, 3DS, EMV, and PCI DSS standards.
- Experience with tools like Jira, Confluence, Splunk, SQL, and API documentation platforms.
- Excellent communication and stakeholder management skills—able to bridge business logic with technical execution.
- Prior work with registered PayFacs or acquiring platforms (Worldpay, Adyen, Stripe, Marqeta, etc.).
- Exposure to ledgering, funding orchestration, or bank settlement reconciliation.
- Understanding of merchant risk management and underwriting workflows.
- Experience with SDK development, token vaults, or network certifications.
Benefits
- Hybrid work model – 3 days onsite / 2 remote
- Medical, Dental, and Vision coverage
- Unlimited PTO (with a culture that encourages use)
- 401(k) match up to 4%
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
API developmentmicroservicespayment processingtokenizationchargeback managementfund flowsfinancial messaging standardsSDK developmentPCI DSS compliancemerchant acquiring
Soft skills
communicationstakeholder managementcollaborationleadershiporganizational skills
