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About the Role

The Principal Product Manager is responsible for defining and advancing product strategy across a complex product, product group, or customer solution. This role establishes a clear product vision, translates customer and market needs into prioritized outcomes, and leads cross-functional alignment from discovery through commercialization and ongoing optimization. The Principal Product Manager will lead the strategy and development of secure, trusted payment experiences for emerging AI-enabled and agentic commerce ecosystems.

Responsibilities

Define and communicate product vision, strategy, roadmaps, and investment priorities for a complex product, product group, or customer solution, balancing customer value, business impact, risk, and technical feasibility.
Lead product work across the full lifecycle, including discovery, concept development, prioritization, requirements, delivery, launch, commercialization, performance management, and continuous improvement.
Build alignment and coalitions across Product, Engineering, Design, Marketing, Sales, Analytics, Operations, Legal, Risk, Compliance, Fraud, and other stakeholders to advance product strategy and execution.
Serve as a senior voice of the customer by synthesizing research, behavioral data, partner feedback, market signals, and experimentation into insights, product decisions, and differentiated experiences.
Translate complex customer, business, and technical needs into clear product requirements, outcomes, success measures, and decision frameworks that enable cross-functional teams to execute effectively.
Partner closely with technology leaders and engineering teams to evaluate solution options, manage dependencies and tradeoffs, and evolve products from initial capabilities into scalable, reliable solutions.
Establish and monitor product performance measures, including adoption, customer experience, financial, operational, and risk outcomes; use results to adjust priorities and improve product performance.
Influence executive and external stakeholder decisions by simplifying complex product topics, communicating tradeoffs and recommendations, and creating shared understanding across competing priorities.
Define and communicate the product vision, strategy, roadmap, and success measures for agentic commerce solutions.
Lead 0-to-1 product development and commercialization agentic commerce capabilities, operating through significant market and technical ambiguity.
Evaluate emerging protocols, ecosystem models, and industry trends to identify product opportunities, requirements, risks, and user journeys.
Partner closely with Engineering to evolve MVP capabilities into scalable, secure, and reliable product solutions.
Collaborate with financial institutions, payment networks, merchants, and ecosystem partners to define trusted commerce experiences.
Use customer research, concept testing, analytics, and experimentation to validate emerging use cases and continuously improve product-market fit.

Requirements

Typically has 15 or more years of progressive experience or demonstrated portfolio consistent with experience required of the role.
Bachelor’s degree or equivalent combination of education and experience.
Demonstrated experience defining product strategy, roadmaps, priorities, and measurable outcomes for complex customer-facing products or platforms.
Proven experience leading products through discovery, development, launch, commercialization, and ongoing optimization in a cross-functional environment.
Demonstrated ability to operate independently through ambiguity, make product tradeoffs, and drive major initiatives across organizational boundaries.
Demonstrated experience translating customer insights, market signals, data, and business needs into product requirements and product decisions.
Strong technical fluency and demonstrated ability to partner effectively with engineering and architecture teams on complex product solutions.
Demonstrated knowledge of payment processing, fraud prevention, digital commerce ecosystems, or related trusted-transaction capabilities.
Demonstrated ability to evaluate emerging technologies and translate uncertain or evolving capabilities into product strategy, requirements, user journeys, and scalable solutions.
Experience in payments, financial services, digital commerce, or another regulated technology environments.
Background and drug screen.
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.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

Skills

AI-enabled commerce
Agentic commerce ecosystems
Payment processing
Fraud prevention
Digital commerce ecosystems
Emerging technologies
Product strategy
Roadmapping
Customer insights
Market signals
Data analysis
Product requirements
Technical fluency
Cross-functional leadership

Location

Scottsdale
San Francisco
Chicago
New York
Phoenix, AZ
Washington, DC

Work Type

Hybrid

Experience Level

Principal
15+ years of progressive experience

Education Level

Bachelor's degree or equivalent combination of education and experience

Salary/Compensations

$173,000 - $230,000 (Phoenix, AZ/ Chicago, IL / Washington, DC)
$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 has 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.

Equal Opportunity

Early Warning Services 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.