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About the Role

The Principal Product Manager is a leader responsible for the development and management of a group of products aligned with a customer segment and/or product solution. The role will build, align, and motivate a cross-functional team to develop a common understanding of the customer’s pain points and the passion to solve issues and develop innovative solutions that delight customers.

Responsibilities

• Builds internal and external coalitions and alignment on product strategy and execution.
• Influences cross-functional teams, executives, and customer leadership with strong vision, strategy, and product execution.
• Proactively assesses customer needs across the portfolio of products to maximize customer satisfaction.
• Leverages feedback into insights and builds products and services that delight and inspire.
• Drives strong go-to-market strategies to attain product revenue and client adoption targets.
• Owns internal financial targets and customer net promoter and satisfaction goals.
• Oversees the integration of strong risk and security controls.
• Ensures compliance to laws and regulations.
• Works directly with technologists to deliver products.
• Clearly defines requirements, grooms user stories, motivates technical teams, and partners closely with technology.
• Supports the company’s commitment to risk management and protecting the integrity and confidentiality of systems and data.
• Leads the core event data domain and messaging framework for the Zelle® Platform.
• Develops and executes a strategy to drive resilient, performant, and scalable Zelle® event architecture—mitigating risk and improving service quality to support future growth.
• Assesses customer impact, weighs tradeoffs, finalizes product requirements, and aligns the product roadmap with other Zelle platform and growth teams.
• Defines and drives a product roadmap that delivers platform resiliency and scalability at increasing scale, while keeping technical debt to a minimum.
• Defines and tracks platform-level success metrics and translates them into actionable product priorities.

Requirements

• Must independently possess the eligibility to work in the United States, for any employer, at the date of hire.
• This position is ineligible for employment Visa sponsorship.
• Bachelor’s degree or equivalent experience.
• Typically 12 or more years of related work experience.
• Demonstrated experience in design thinking and agile development process and methodology.
• Demonstrated cross-functional collaboration experience.
• Proven experience in and passion for building and delivering great products.
• Demonstrated experience in setting a product strategy, roadmap, and in meeting product revenue targets.
• Demonstrated experience driving alignment at the executive and client leadership level.
• Excellent listening and execution skills.
• Background and drug screen required.
• 3+ years of experience with at-scale payment processing, data platforms, or event processing systems used by financial institutions or enterprise customers.
• Deep understanding of event-driven architecture patterns (event sourcing, pub/sub, CQRS) and modern messaging infrastructure (Kafka, Pulsar, RabbitMQ, or equivalent), with ability to engage credibly with engineering to influence design-level decisions.
• Demonstrated experience owning high-throughput, low-latency platform capabilities in production environments, processing millions of transactions per day, with direct accountability for availability and performance SLAs.
• Track record of defining and shipping developer-facing platform products—APIs, Webhooks, and SDKs—with a strong instinct for internal and external developer experience.
• Fluency in payments network concepts including authorization, clearing and settlement, message formatting standards and operational payment processing rails (card, ACH, RTP, wire, stablecoin & blockchain technology, etc.).
• Experience navigating platform governance in regulated environments, including schema versioning, event schema registries, audit requirements, and data residency constraints.
• Experience with systems thinking, with the ability to consider end-to-end blast radius reduction when changing shared platform components.
• Experience identifying and productizing AI/ML applications within platform infrastructure—such as anomaly detection on event streams, intelligent routing or retry logic, and predictive alerting—with the ability to partner with data science and ML engineering teams to define feature requirements, evaluate model efficacy, and govern AI-driven decisioning within a regulated environment a plus.
• Must be able to perform essential functions and physical requirements of position with or without reasonable accommodation.
• Candidates responding to this posting must independently possess the eligibility to work in the United States at the date of hire.

Skills

• Product Management
• Design Thinking
• Agile Development
• Cross-functional Collaboration
• Product Strategy
• Roadmap Development
• Revenue Targets
• Executive Alignment
• Client Leadership
• Listening Skills
• Execution Skills
• Risk Management
• Security Controls
• Compliance
• Technical Understanding
• Requirements Definition
• User Story Grooming
• Event Data Domain
• Messaging Framework
• Zelle® Platform Technology
• Solutions Architecture
• Software Engineering
• Business Stakeholder Engagement
• Technical Stakeholder Engagement
• Operational Stakeholder Engagement
• Resilient Architecture
• Performant Architecture
• Scalable Architecture
• Event-Driven Architecture Patterns
• Event Sourcing
• Pub/Sub
• CQRS
• Messaging Infrastructure
• Kafka
• Pulsar
• RabbitMQ
• High-Throughput Systems
• Low-Latency Systems
• Availability SLAs
• Performance SLAs
• Developer-Facing Products
• APIs
• Webhooks
• SDKs
• Developer Experience
• Payments Network Concepts
• Authorization
• Clearing and Settlement
• Message Formatting Standards
• Operational Payment Processing Rails
• Card Processing
• ACH Processing
• RTP Processing
• Wire Transfer Processing
• Stablecoin Technology
• Blockchain Technology
• Platform Governance
• Schema Versioning
• Event Schema Registries
• Audit Requirements
• Data Residency Constraints
• Systems Thinking
• Service-Oriented Architecture (SOA)
• Microservices
• Cloud Services
• AI/ML Applications
• Anomaly Detection
• Intelligent Routing
• Predictive Alerting
• Data Science
• ML Engineering
• AI-Driven Decisioning

Location

• Scottsdale
• San Francisco
• Chicago
• New York
• Phoenix, AZ

Work Type

• Hybrid
• Full-time

Experience Level

• Principal
• 12+ years related work experience
• 3+ years experience with at scale payment processing, data platforms, or event processing systems

Education Level

• Bachelor's degree
• Master's degree

Salary/Compensations

• $173,000 - $230,000 (Phoenix, AZ)
• $207,000 - $242,000 (New York, NY/ San Francisco, CA)

Benefits

• Discretionary incentive plan
• Healthcare Coverage – Competitive medical (PPO/HDHP), dental, and vision plans
• Company contributions to your Health Savings Account (HSA) or pre-tax savings through flexible spending accounts (FSA) for commuting, health & dependent care expenses.
• 401(k) Retirement Plan – Featuring a 100% Company Safe Harbor Match on your first 6% deferral immediately upon eligibility.
• Paid Time Off – Flexible Time Off for Exempt (salaried) employees, as well as generous PTO for Non-Exempt (hourly) employees, plus 11 paid company holidays and a paid volunteer day.
• 12 weeks of Paid Parental Leave
• Maven Family Planning – provides support through your Parenting journey including egg freezing, fertility, adoption, surrogacy, pregnancy, postpartum, early pediatrics, and returning to work.

About the Company

• Early Warning, we’ve powered and protected the U.S. financial system for over thirty years with cutting-edge solutions like Zelle®, Paze℠, and so much more.
• As a trusted name in payments, we partner with thousands of institutions to increase access to financial services and protect transactions for hundreds of millions of consumers and small businesses.
• Early Warning Services® delivers innovative payment and risk solutions to financial institutions nationwide.
• For over 25 years, Early Warning has been a leader in technology that helps protect and advance the financial system.
• We serve a diverse network of approximately 2,500 financial institutions, government entities and payment companies.
• Our product solutions enable real-time funds availability for a variety of payment types through our payments network.

Equal Opportunity

• Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
• Early Warning Services, LLC (“Early Warning”) considers for employment, hires, retains and promotes qualified candidates on the basis of ability, potential, and valid qualifications without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote equal employment opportunity and affirmative action, in accordance with all applicable federal, state, and municipal laws.
• The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our employees.
• Early Warning Services® aims to make our recruitment process accessible to any and all users. If you have a disability or a special need that requires accommodation to navigate our website or complete the application process, please email recruiting@earlywarningservices.com for an assistance request.
• View supplemental EEO is the law poster
• Early Warning has developed and maintains a written AAP and upholds pay transparency nondiscrimination.
• Early Warning Services LLC is a proud participant in E-Verify, a federal program to help ensure a legal and authorized workforce.
• As part of our hiring process, we electronically verify the employment eligibility of all new hires through E-Verify.