Fresno Summit Advisors - Senior Product Manager, Payments
Requirements
• 8+ years of Product Management experience in payments or fintech, including ownership of product roadmaps, product requirements, and direct partnership with engineering teams. • Experience in B2B and B2B2C payments environments with complex or intermediated money movement. • Deep understanding of the payments ecosystem and lifecycle, including ACH, cards, payment gateways, merchant acquiring, ledgering, reconciliation, settlement, refunds, exceptions, chargebacks, and payment APIs. • Proven ability to build and scale payment capabilities across internal and external partners, including processors, banks, SaaS vendors, and cross-functional business and technology teams. • Key Attributes for Success • Cross-Functional Influence & Communication: Builds alignment across executives, technical teams, business stakeholders, and external partners, translating complex payment concepts into clear decisions and actions. • Systems Thinking & Complexity Management: Understands end-to-end payment flows and how decisions across systems, vendors, ledgering, reconciliation, and operations impact one another. • Ownership & Execution in Ambiguity: Creates structure in complex or unclear environments, makes sound tradeoffs, and drives initiatives from requirements through successful delivery. • Other Important Details • Equal Opportunity & Workplace Environment:
Responsibilities
• Payments Infrastructure Execution: Create a multi-year roadmap that includes platform capabilities. Lead the implementation of a consolidated payments architecture across processors, banks, and ledger systems. Execute across authorization, settlement, batching, reconciliation, funding, payouts, and refunds/recoupments. Drive delivery through partnerships with finance, operations, compliance, engineering and executive leadership. • Ledgering & Reconciliation: Implement upgraded and outsourced ledgering capabilities that improve traceability, reporting accuracy, and auditability while reducing manual reconciliation and integrating claims, payments, and financial reporting. • Payment Rails Expansion & Innovation: Lead execution across RTP, FedNow, ACH, card, and virtual card programs, including routing logic, controls, reconciliation, and multi-rail requirements that improve flexibility, speed, and cost efficiency. Enhance provider, employer, external partner and member experience. • Vendor & Bank Integration Management: Own integration requirements and sequencing across processors, banks, and hybrid infrastructure partners, ensuring clean routing, scalability, flexibility, and support for advanced payout models. • Economics, Reliability & Scale: Improve authorization rates, returned payments, refunds, settlement timing, operational error rates, and cost per transaction while strengthening platform resilience and margin efficiency as volume grows. • Risk & Compliance: Ensure payment workflows meet applicable NACHA, card brand, sponsor bank, audit, and regulatory requirements while partnering with Compliance, Finance, and Operations toidentifyand mitigate risk early.
Benefits
• Competitive salary and bonus depending on experience • Benefits: medical, dental, vision, HSA with company contribution, 401k/Roth with company match, 15 days of PTO, and more.
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