Product Owner - Charlotte,NC - Hybrid.

Position: Product Owner – Digital Payments Networks

Location: Charlotte, NC / Fort Mill, SC

Employment Type: Full‑time

Role Overview

The Senior Product Owner will lead the strategy, roadmap, and delivery of digital payment capabilities, with a focus on real‑time money movement, P2P payments, and payment‑network integrations (e.g., Zelle or comparable platforms). This role requires strong product leadership, deep payments domain knowledge, and the ability to collaborate across engineering, operations, fraud/risk, and compliance teams.

Key Responsibilities

• Product Vision & Roadmap — Own and evolve the product strategy for digital payments, including instant transfers, P2P capabilities, and money‑movement enhancements.
• Payment Network Integrations — Lead integrations with digital payment networks; manage certification, rule compliance, and ongoing operational alignment.
• Backlog Management — Translate business needs into user stories, acceptance criteria, and prioritized backlogs.
• Agile Delivery Leadership — Partner with engineering to drive sprint planning, grooming, and release execution.
• Fraud, Risk & Compliance Alignment — Work with fraud, risk, and compliance teams to ensure secure, compliant payment experiences.
• Transaction Lifecycle Oversight — Oversee payment flows including authorization, posting, settlement, exceptions, and reconciliation.
• Stakeholder Engagement — Serve as the primary liaison across business, operations, customer support, and technology teams.
• Data‑Driven Product Decisions — Define and track KPIs such as payment success rate, fraud loss rate, adoption, and transaction latency.
• Platform Stability & Incident Support — Support production stability, root‑cause analysis, and continuous improvement initiatives.

Required Qualifications

• 4-7 years of product management or product ownership experience.
• Hands‑on experience supporting digital payment networks (Zelle, RTP, FedNow, ACH, or similar).
• Strong understanding of payment rails, fraud/risk, KYC/AML, and financial‑services regulatory frameworks.
• Proven ability to lead Agile teams and deliver complex technical products.
• Experience writing clear user stories, acceptance criteria, and functional requirements.
• Excellent communication, analytical, and stakeholder‑management skills.

Preferred Qualifications

• Experience with banking core systems, payment orchestration engines, or API‑driven financial platforms.
• Familiarity with network certification processes, fraud‑detection tools, or risk‑scoring models.
• Certifications such as CSPO, PSPO, SAFe PO/PM, or equivalent.
• Experience working in consulting or client‑facing delivery environments.

Pay: $100,000.00 - $110,000.00 per year

Work Location: Hybrid remote in Charlotte, NC 28216