Product Manager, Payments

About the role

You will own products that make up Modern Treasury's Payments offering. You will leverage AI where possible and push the envelope of what AI-enabled product execution looks like. You will be responsible for researching, designing, and delivering products related to:

• Onboarding & Compliance: Help manage the experience of getting customers and their end users onto the platform quickly and safely. Design onboarding flows that reduce time-to-first-payment while meeting the requirements of banks, partners, and regulators. Work closely with compliance and risk teams to translate KYC, KYB, sanctions, and other regulatory requirements into product.
• Payment rails: Go deep into the design of the rails that power payments — domestic schemes like ACH, wire, and RTP, international and cross-border rails, and emerging options including stablecoins. Prioritize which rails to add and how to expose them in a unified, reliable way. Work with Customer Success and Support teams to ensure reliability and good support in cases of incidents.
• Liquidity: Help define how funds are funded, held, and moved so that customers can settle payments efficiently. Work on the product capabilities that give customers visibility and control over balances and liquidity across accounts and rails.

Responsibilities

Interface with existing bank partners and stablecoin partners, and help scale the Payments across geographies.

Requirements

AI Fluency: Help build and run AI-native workflows across the business. You do not need to train models, but you should be fluent in applying modern AI tools to real business problems.

Payments experience: Have built payments products before and are familiar with both US and international payments. Understand how rails work end to end and what it takes to move money reliably at scale.

Cross-border expertise: Ideally, have experience with both US and international cross-border payment rails, and understand the operational and regulatory realities of moving money across borders.

Interest in or experience with stablecoins: Have experience with, or a strong interest in, stablecoins. Study how they work, and have opinions about how they fit into the future of global money movement.

Technical fluency: Relish going deep with engineers on the details of payment systems. Read API docs and bank or scheme specs. Dive into data, including SQL, while knowing when not to.

Customer obsession: Spend a ton of time with customers and prospects, understanding their business models, flows of funds, and the support they need. Translate those needs into clear engineering requirements.

Ownership at scale: Ship and iterate on products. Comfortable with a dynamic, responsive roadmap driven by the demands of customers and partners. Work across compliance, partnerships, sales, and customer success to deliver.

Qualifications

Modern Treasury is committed to equal employment opportunity and does not discriminate in any employment opportunities or practices based on an individual's race, color, creed, gender (including gender identity and gender expression), religion (all aspects of religious beliefs, observance or practice, including religious dress or grooming practices), marital status, registered domestic partner status, age, national origin or ancestry (including language use restrictions and possession of a driver’s license issued under California Vehicle Code section 12801.9), natural hair, physical or mental disability, political affiliation, medical condition (including cancer or a record or history of cancer, and genetic characteristics), sex (including pregnancy, childbirth, breastfeeding or related medical condition), genetic information, sexual orientation, military and veteran status or any other consideration made unlawful by federal, state, or local laws. It also prohibits unlawful discrimination based on the perception that anyone has any of those characteristics, or is associated with a person who has or is perceived as having any of those characteristics.

Modern Treasury participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

Pay

$170K - $250K