Staff Product Manager (Disbursements) - Remote

Staff Product Manager (Disbursements) - RemoteAt PayNearMe, we're on a mission to make paying and getting paid as simple as possible.We build innovative technology that transforms the way businesses and their customers experience payments.Our industry-leading platform, PayXM, is the first of its kinddesigned to manage the entire payment experience from start to finish.Every click, swipe or tap is seamless, fast and secure, helping non-commerce businesses boost customer satisfaction, accelerate payments, and reduce costs.Our single platform handles it all:cards, ACH, digital wallets such as PayPal, Venmo, Cash App Pay, Apple Pay and Google Pay, and even cash at more than 62,000 retail locations nationwide.Today, thousands of businesses across consumer lending, iGaming and online sports betting, property management, and tolling trust PayNearMe to deliver a payment experience that drives real results.In September 2025, we raised a $50 million Series E funding round to accelerate our growth.We're a team of 200employees across 41 states, headquartered in Silicon Valley with satellite offices in Dallas, TX and Holmdel, NJ.Join us and be part of a team that's shaping the future of paymentsone experience at a time.Job DescriptionThe Staff Product Manager for Disbursements is a senior leadership role responsible for the end-to-end strategy, execution, and integrity of the company's outbound payment ecosystem.This role owns how money moves out of the platformcovering disbursements to consumers and disbursement funding across multiple payment rails.This role plays a critical part in modernizing payout infrastructure, including support for real-time payment rails, while ensuring complete transaction traceability, financial accuracy, and regulatory compliance at scale.You will lead the product vision for outbound money movement, partner deeply with engineering, payments operations, accounting, compliance, and external financial partners, and ensure the platform can support growing volumes, new use cases, and increasingly complex regulatory and operational requirements.This is a highly visible role with direct impact on customer trust, platform economics, and the company's ability to scale financial products.Responsibilities Product Vision & StrategyOwn 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.Payment Rail OrchestrationLead 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.Own payout configuration, timing, cutoffs, retries, reversals, and exception handling across rails.Funds TraceabilityResponsible 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.Execution & DeliveryTranslate 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.Partnership ManagementPartner 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.Translate external partner capabilities and constraints into internal product advantages.Support partner selection, onboarding, and ongoing performance management from a product perspective.Cross-Functional LeadershipServe 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.Partner with go-to-market, operations, and support teams to ensure successful launches and operational readiness.Qualifications15years of product management experience, with deep expertise in payments, money movement, disbursements, or payout platformsStrong understanding of payment rails including ACH, wires, RTP, FedNow, card-based payouts, and digital walletsProven experience owning financial infrastructure, including ledgering, reconciliation, settlement, and exception handlingExperience working directly with accounting, finance, and compliance teamsDemonstrated ability to lead complex, cross-functional initiatives at scaleStrong analytical and systems-thinking mindset, with attention to detail and data integrityExcellent communication skills and a track record of producing high-quality product documentationExperience operating in agile development environments (JIRA, Confluence, etc.)Additional InformationWhy Join Us?Competitive salary and benefits with growth-company options grantFast-paced and professional work cultureStock 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 setupReimbursement 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 insurancePaid parental bonding leavePaid sick leave, jury duty, bereavement401k planFlexible Time Off (our team members typically take off 3-4 weeks per year)Volunteer Time Off13 scheduled holidaysPayNearMe strives to create a workplace where all employees thrive.Our core values represent who we are today and we take pride in the way we work with each other as well as with our stakeholders.We're in this together to do the right thing.We deliver real results we are proud of while remaining respectful, transparent, and flexible.PayNearMe is an equal opportunity employer.We are diligently and thoughtfully working towards cultivating a diverse workforce which in turn, enhances our products and services for the communities we serve.Applicants who represent all backgrounds are strongly encouraged to apply.CALIFORNIA CONSUMER PRIVACY ACT:APPLICANT NOTICEEffective Date:January 1, 2020Last Reviewed on:December 23, 2019PayNearMe, Inc.(the Company) is providing you with this Notice (Notice) to inform you about:the categories of Personal Information that the Company collects and maintains about applicants; andthe purposes for which the Company uses that Personal Information.For purposes of this Notice, Personal Information means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly with, a natural person that the Company may collect in connection with screening applicants for job openings at the Company.Identifiers and Professional or Employment-Related Information.The Company collects identifiers and professional or employment-related information, which may include some or all the following:real name, nickname or alias, postal address, telephone number, e-mail address, membership in professional organizations, professional certifications, language skills, and current and past employment history.The Company collects this Personal Information to evaluate. Experience: 5 years required