Senior Product Manager (Fiat Payments)

Senior Product Manager, Fiat Payment

Company

Transak

Conditions

6 days agoLead Toronto, CA Onsite Full Time Product Management Jobs by Transak

Transak Transak helps developers integrate fiat-to-crypto payment solutions that allow users to buy and sell crypto directly within web3 applications. 52 Grosvenor Gardens, London, England, SW1W 0AU, United Kingdom Funding Strategic Strategic ($15M) Strategic ($16T) Investors GBIC (Global Blockchain Innovative Capital) BlockPact Zokyo Ventures Shima Capital Morningstar Ventures Projects Transak On/Off Ramp On/Off Ramp Transak Stream On/Off Ramp Transak One Payments Infrastructure & Orchestration Transak NFT Checkout Merchant Payment Gateway Transak Corporate On/Off Ramp On/Off Ramp Transak OTC OTC About Transak Transak helps developers onboard users from fiat to crypto through API-driven payment solutions that support transactions in multiple countries. With it, you can integrate fiat on-ramps, enable direct smart contract interactions with fiat, and access payment methods across multiple blockchains. Transak reduces the complexity of crypto onboarding for web3 applications. View jobs by Transak

Skills

Ach Alternative Payment Method Aml Analytics Api Bank Transfer Cards Compliance Dispute Management Fiat Payments Fraud Prevention Idempotency Kyc Ledger Merchant Expansion Partnerships Payment State Machine Payment Success Rate Prd Product Management Reconciliation Risk Management Routing Optimization Settlement Sql Stablecoin State Machine Web3 Webhook

About the Role

You'll own and scale Transak's fiat payments experience across North America and LATAM, focusing on ACH/bank transfers, cards, and local alternative payment methods (APMs). You'll be accountable for improving payment success rate, time-to-funds, cost per successful transaction, dispute/return rates, settlement & reconciliation performance, and partner experience across the Americas. You'll work closely with Engineering, Risk, Compliance, Finance, Ops, and Partnerships to build resilient, compliant, high-throughput money movement across multiple rails. You'll define the multi-rail strategy, set KPIs, write detailed PRDs, lead agile execution, and drive reliability improvements. You'll own end-to-end ACH experiences, improve card authorization and payment success, expand local APM coverage in the Americas, and collaborate with Compliance/Legal and Partnerships to ensure regional readiness and smooth partner onboarding.

Requirements

• 8–10+ years in product management or strong engineering-to-PM background, ideally in payments, fintech infrastructure, or money movement
• Experience owning products across bank transfers (ACH), cards, and/or local APMs, including settlement and reconciliation
• Strong technical fluency with APIs, webhooks, payment state machines, ledgers, idempotency, retries, and observability
• Data-driven mindset with comfort in SQL/analytics
• Strong cross-functional leadership across Engineering, Risk, Compliance, Finance, Ops, and Partnerships
• Experience operating in Americas markets (US/Canada and/or LATAM) and navigating regulated environments

Responsibilities

• Own the global fiat payments roadmap end-to-end across ACH/bank rails, cards, and other local bank transfer and APMs
• Define the multi-rail strategy for routing users to ACH vs card vs APM based on conversion, cost, risk, speed, and availability
• Set and manage KPIs across rails including authorization rate, time-to-funds, cost per successful payment, and dispute/chargeback rate
• Prioritize roadmap work through data, user feedback, and partner insights
• Define quarterly product strategy
• Interface with customers to deliver new improvements, features, and products
• Write detailed PRDs and drive alignment across Engineering, Design, Risk, Compliance, Finance, Operations, and Partnerships
• Lead agile execution and ship iteratively
• Drive reliability improvements using incident learnings
• Own end-to-end ACH experiences including bank linking/verification and exception handling
• Improve time-to-funds and reduce drop-offs with clearer UX and better payment state tracking
• Build scalable flows for returns, exceptions, and NOCs
• Partner with Finance/Ops on settlement, reconciliation, and reporting pipelines
• Improve card authorization and payment success through decline reason normalization and routing
• Collaborate with Risk on fraud and disputes strategies
• Monitor provider performance and optimize for reliability and cost
• Expand and optimize local APM coverage in the Americas
• Own method-level UX and operational readiness for APMs
• Standardize the integration surface across APMs
• Partner with BD/Partnerships to source, onboard, and scale APM providers
• Work with Compliance/Legal to ensure regional readiness for each rail
• Collaborate with Partnerships on processor/bank/APM onboarding and partner escalations
• Communicate progress, risks, and tradeoffs to leadership
• Improve developer and partner UX including API ergonomics and documentation

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