Senior Product Manager, Payments (Contract)

Job Description

This is a remote-friendly role. Ideally, candidates will sit in the following states: AL, AZ, CA, CO, DC, DE, FL, GA, ID, IL, LA, MA, MO, NC, NH, NJ, NV, NY, OR, OH, PA, RI, SC, TX, VA, WA, WI. At this time, Tapcheck does not provide sponsorship for employment-based visas (e.g., H-1B, L-1, TN, etc.). Therefore, candidates must already possess the right to work in the United States without the need for employment-based visa sponsorship now or in the future. About the Job Tapcheck's Platform organization is building the next generation of our core financial infrastructure across Money Movement, Risk, and the Execution Foundation. We're looking for a hands-on Senior Product Manager with deep payments and money-movement experience who can step into active work immediately and help us turn complex financial flows into products and platform capabilities that Engineering can build, operate, and scale. This is not a strategy-only role, and not a requirements coordinator role. You will work directly with Engineering and Product leadership from week one, taking ambiguous problems and existing initiatives, pressure-testing requirements, identifying gaps, making product decisions, and driving them through implementation. The initial focus will include Payments, ACH and bank rails, Payouts/Disbursements, Repayments, Card, Payment Orchestration, Settlement/Reconciliation, and Risk & Fraud. The role is intentionally broad because the Platform team is working across multiple connected money-movement capabilities. What You'll Do Own product definition for money-movement capabilities, from problem definition through requirements, technical design, launch, and iteration Pressure-test existing requirements and designs across Payments, Repayments, Card, Orchestration, Payouts, Settlements/Reconciliation, and Risk & Fraud, identifying missing requirements, edge cases, conflicting assumptions, and unresolved product decisions Partner directly with Engineering to translate complex business and financial requirements into clear PRDs, functional requirements, workflows, state transitions, API requirements, acceptance criteria, and launch criteria Work at the transaction level when necessary, understanding payment states, processor responses, retries, returns, failures, reconciliation issues, and operational exceptions Help define how money moves through the platform across funding, authorization, debit/credit, processing, settlement, payout, recovery, and exception flows Partner with Risk, Legal, Compliance, Finance, Data, Operations, and Engineering to ensure product decisions account for financial correctness, risk, regulatory requirements, operational impact, and customer experience Drive active initiatives including Risk, Payouts, and related Money Movement workstreams Use data and operational signals to identify problems and measure outcomes, including payment success/failure, loss, recovery, payout performance, reconciliation breaks, cost, and operational volume Surface risks and unresolved decisions early, make recommendations, and drive issues to resolution Own the day-to-day product execution needed to keep engineering teams moving: backlog refinement, requirements reviews, prioritization, stakeholder alignment, launch readiness, and post-launch iteration Flex across Platform workstreams as priorities evolve, moving between a payment-rail problem, a payout failure, a reconciliation issue, or a risk-decisioning requirement without needing a long ramp What You've Done Required Spent 8+ years in product management, with substantial hands-on experience in payments, money movement, financial infrastructure, fintech, or risk Directly owned payment or money-movement products and flows, personally shipping products involving payment rails, bank transfers, cards, payouts, repayments, payment orchestration, settlement/reconciliation, or transaction risk Built deep expertise in at least one payments or money-movement domain, with the ability to understand the underlying transaction flow and system behavior, not just the customer-facing experience Worked directly with payment rails, processors, banks, or PSPs such as ACH, RTP, card networks/processors, or bank payment infrastructure Translated ambiguous problems into engineering-ready product requirements and worked closely with engineers through implementation Demonstrated strong technical fluency, comfortable discussing transaction lifecycles, state machines, APIs, events/webhooks, retries, idempotency, processor integrations, reconciliation, settlement, and failure handling Used payment, risk, financial, or operational metrics to make product decisions Operated with high autonomy and incomplete information, contributing from week one Communicated effectively in writing and in person across Engineering, Risk, Legal/Compliance, Finance, Data, and Operations Preferred Worked across multiple areas of money movement, such as ACH/bank rails, cards, payouts, payment orchestration,