Senior Product Owner - Payments Platform
E-Solutions, Fort Mill, SC, United States
Role: Senior Product Owner - Payments Platform
Location: Fort Mill, SC
We need candidate who can work onsite from Day 1 (Hybrid basis)
Job Description The customer is seeking a Senior Product Owner with
deep Payments and Move Money operations expertise , rather than a technology-focused profile. Candidates should be evaluated against the following criteria. The ideal candidate must demonstrate deep, hands-on operations expertise in
ACH and money movement
, with the ability to design products that fully account for real-world payment exceptions, regulatory constraints, and operational risk . Specifically, the candidate should be able to clearly articulate and design for:
The most complex
ACH transaction
types from an
ODFI perspective , including
ACH Returns
and Exceptions and why they are
operationally
and
regulatory
complex. Strong understanding of
ACH Returns processing , including timelines, reason codes, and downstream operational impact. Practical experience managing and designing controls around
NACHA return ratios
and operational thresholds. Deep familiarity with high-risk and high-frequency return codes such as R02 - Insufficient Funds, including root causes, mitigation strategies, and operational workflows. Knowledge of the regulatory bodies and rule sets governing
ACH, including NACHA
Operating Rules , and how those rules influence product design, customer experience, and back-office operations. Ability to
translate ACH operational constraints
(returns windows, re-presentment rules, exception handling) into clear product requirements and journey designs.
Advisor and Client-facing UX
This role requires someone who has not only defined
ACH features on paper , but who understands how
ACH truly
behaves in production, including failure scenarios, regulatory scrutiny, and operational escalation paths. In addition, they should be able to demonstrate their hands-on experience with a combination of payment rails and capabilities such as:
Operations, Controls, and Fraud Core banking and ledger posting Cards Wires, CHIPS/FedWire Real-time payments (e.g., FedNow) Zelle, SWIFT Check processing, mobile deposit, remote check deposit Bulk check printing and exception handling Strong knowledge of fraud prevention, AML, and payment risk controls.
We need candidate who can work onsite from Day 1 (Hybrid basis)
Job Description The customer is seeking a Senior Product Owner with
deep Payments and Move Money operations expertise , rather than a technology-focused profile. Candidates should be evaluated against the following criteria. The ideal candidate must demonstrate deep, hands-on operations expertise in
ACH and money movement
, with the ability to design products that fully account for real-world payment exceptions, regulatory constraints, and operational risk . Specifically, the candidate should be able to clearly articulate and design for:
The most complex
ACH transaction
types from an
ODFI perspective , including
ACH Returns
and Exceptions and why they are
operationally
and
regulatory
complex. Strong understanding of
ACH Returns processing , including timelines, reason codes, and downstream operational impact. Practical experience managing and designing controls around
NACHA return ratios
and operational thresholds. Deep familiarity with high-risk and high-frequency return codes such as R02 - Insufficient Funds, including root causes, mitigation strategies, and operational workflows. Knowledge of the regulatory bodies and rule sets governing
ACH, including NACHA
Operating Rules , and how those rules influence product design, customer experience, and back-office operations. Ability to
translate ACH operational constraints
(returns windows, re-presentment rules, exception handling) into clear product requirements and journey designs.
Advisor and Client-facing UX
This role requires someone who has not only defined
ACH features on paper , but who understands how
ACH truly
behaves in production, including failure scenarios, regulatory scrutiny, and operational escalation paths. In addition, they should be able to demonstrate their hands-on experience with a combination of payment rails and capabilities such as:
Operations, Controls, and Fraud Core banking and ledger posting Cards Wires, CHIPS/FedWire Real-time payments (e.g., FedNow) Zelle, SWIFT Check processing, mobile deposit, remote check deposit Bulk check printing and exception handling Strong knowledge of fraud prevention, AML, and payment risk controls.