Sr. Lead Product Manager - Zelle Commerce

At 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.

Positions located in Scottsdale, San Francisco, Chicago, or New York follow a hybrid work model to allow for a more collaborative working environment.

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.

The Senior Lead Product Manager is the champion responsible for evaluating and determining the product(s) and/or features to be built and delivered to our customers.  The role will build, align, and motivate a cross functional team to develop a common understanding of the customers’ pain points and the passion to solve issues and develop innovative solutions that delight customers. The role may lead multiple products.

Essential Functions

• Visionary and Strategist: 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.

• Customer Passion and Advocacy: Brings the customer viewpoint to the product design process with a demonstrated competency to actively listen to customer feedback across all touchpoints and channels; to routinely leverage this feedback into insights; and to build products and services that delight and inspire. 

• Creative Problem Solver: Works closely with marketing, research, analytics, design and development partners, uses technical savvy and customer insights to develop real world solutions working in a highly collaborative environment. Uses insights about the market and industry to drive development of value-added solutions for customers.

• Commitment to Risk Management: Oversees the integration of strong risk and security controls. Ensures compliance to laws and regulations.

• Technical Understanding:  Able and adept at working directly with the technologists to deliver market solutions. Clearly defines requirements, grooms user stories, motivates technical teams and partners with technology closely

Area of Specialty: Zelle Commerce

• 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.

Minimum Qualifications

• 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

Preferred Qualifications

• Experience at organizations such as PayPal, Stripe, Adyen, Block/Square, Shopify, Amazon Payments, Visa, Mastercard, or similar commerce/payment platforms.

• Experience building merchant-facing or commerce-enablement products.

• Familiarity with digital wallets, embedded payments, alternative payment methods, real-time payments, or emerging commerce experiences.

• Experience launching pilot programs and scaling products to General Availability

Physical Requirements

Early Warning works together in a highly collaborative office environment.  As such, working conditions consist of a normal office environment. Work is primarily sedentary and requires extensive use of a computer and involves sitting for periods of approximately four hours. Work may require occasional standing, walking, kneeling and reaching. Must be able to lift 10 pounds occasionally and/or negligible amount of force frequently. Requires visual acuity and dexterity to view, prepare, and manipulate documents and office equipment including personal computers. Requires the ability to communicate with internal and/or external customers.

Employee 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.

The base pay scale for this position in:
Phoenix, AZ/ Chicago, IL in USD per year is: $150,000 - $200,000.
New York, NY/ San Francisco, CA in USD per year is: $180,000 - $240,000.
Additionally, candidates are eligible for a discretionary incentive plan and benefits.

This pay scale is subject to change and is not necessarily reflective of actual compensation that may be earned, nor a promise of any specific pay for any specific candidate, which is always dependent on legitimate factors considered at the time of job offer. Early Warning Services takes into consideration a variety of factors when determining a competitive salary offer, including, but not limited to, the job scope, market rates and geographic location of a position, candidate’s education, experience, training, and specialized skills or certification(s) in relation to the job requirements and compared with internal equity (peers). The business actively supports and reviews wage equity to ensure that pay decisions are not based on gender, race, national origin, or any other protected classes.

Some of the Ways We Prioritize Your Health and Happiness 

• Healthcare Coverage – Competitive medical (PPO/HDHP), dental, and vision plans as well as 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.

And SO much more! We continue to enhance our program, so be sure to check our Benefits page here for the latest. Our team can share more during the interview process!

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.