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About the Role

The Senior Lead Product Manager is responsible for evaluating and determining product(s) and/or features to be built and delivered. This role will build, align, and motivate a cross-functional team to develop a common understanding of customer pain points and drive innovative solutions.

Responsibilities

• Builds the right cross-functional team to obtain a common understanding of customer pain points, empathy and excitement for solving customer issues and driving product revenue.
• Articulates product strategy and vision across the enterprise across multiple products.
• Brings the customer viewpoint to the product design process with a demonstrated competency to actively listen to customer feedback across all touchpoints and channels.
• Leverages customer feedback into insights to build products and services that delight and inspire.
• Works closely with marketing, research, analytics, design and development partners, uses technical savvy and customer insights to develop real-world solutions.
• Uses insights about the market and industry to drive development of value-added solutions for customers.
• Oversees the integration of strong risk and security controls.
• Ensures compliance to laws and regulations.
• Works directly with technologists to deliver market solutions.
• Clearly defines requirements, grooms user stories, motivates technical teams and partners with technology closely.
• Define and execute the product strategy for Zelle as a payment method in eCommerce, delivering differentiated experiences for merchants, financial institutions, and consumers.
• Partner with merchants, financial institutions, payment service providers (PSPs), gateways, and strategic advisors to shape product direction and validate market opportunities.
• Lead product discovery by translating customer insights, market trends, and competitive intelligence into innovative payment experiences and product requirements.
• Define merchant and consumer payment experiences that optimize conversion, trust, operational efficiency, and customer satisfaction across digital commerce channels.
• Collaborate with Engineering, Design, Risk, Fraud, Legal, Compliance, Marketing, and Operations to deliver scalable, secure, and customer-centric commerce payment solutions.
• Leverage deep expertise in payment authorization, clearing, settlement, reconciliation, disputes, and merchant operations to design solutions that integrate seamlessly into modern commerce ecosystems.
• Own the end-to-end product lifecycle from concept and business case through requirements, pilot execution, commercialization, and General Availability.
• Define success metrics and monitor product performance, including merchant adoption, transaction conversion, payment success rates, operational efficiency, customer satisfaction, and business growth.

Requirements

• Typically 9+ years of product management experience in payments, fintech, commerce, or related industries.
• Proven experience taking products from idea to launch.
• Deep understanding of payment processing, including: authorization, clearing and settlement, dispute and chargeback management, and merchant and consumer payment experiences.
• Strong customer discovery, product strategy, and roadmap development skills.
• Experience influencing and leading cross-functional teams without direct authority.
• Ability to thrive in ambiguous environments and create clarity for teams and stakeholders.
• Candidates responding to this posting 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.

Skills

• Product Management
• Payments
• Fintech
• Commerce
• Customer Discovery
• Product Strategy
• Roadmap Development
• Cross-functional Team Leadership
• Payment Processing
• Authorization
• Clearing and Settlement
• Dispute and Chargeback Management
• Merchant and Consumer Payment Experiences
• Digital Wallets
• Embedded Payments
• Alternative Payment Methods
• Real-time Payments
• Emerging Commerce Experiences

Location

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

Work Type

• Hybrid
• Onsite

Experience Level

• Senior
• Lead

Salary/Compensations

• $150,000 - $200,000 (Phoenix, AZ/ Chicago, IL)
• $180,000 - $240,000 (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.
• Privacy Notice Effective: June 4, 2026 This privacy notice is intended to inform California residents of the personal information we collect, how it’s used and disclosed, and the rights you have in regard to such information. Click below for the full privacy notice https://www.earlywarning.com/privacy-notice-employment-applicants