Fintech Product Manager (Wallet & Payments)
Snaplii, San Francisco, CA, United States
We support employment-based immigration for qualified mid-to-senior candidates across functions, including
H-1B transfer/sponsorship
and, where appropriate,
U.S. green card sponsorship . Immigration support is provided based on role fit, candidate qualifications, and business needs.
About the Company Snaplii is one of Canada’s fastest-growing fintech platforms, transforming how people pay, save, and earn rewards. With over $100M in annual transaction volume and 200,000+ users across North America, we deliver unmatched utility and loyalty through a single seamless app. We’ve ranked as high as #5 on the Apple App Store during peak shopping seasons, and consistently remain in the Top 40, driven by a highly engaged, high-retention user base. Snaplii supports 500+ leading brands including Walmart, Amazon, and Esso, with a platform fully built and maintained in-house—engineered to scale and support a growing suite of financial products.
About the Role We are looking for a Fintech Product Manager who truly understands how money is stored, moved, and spent—and can translate that understanding into a compliant, scalable product system. In this role, you will own Snaplii’s next-generation wallet/balance products (Wallet 2.0) and core payments architecture across Canada and the United States. You will design the end-to-end user money flow—from funding to spending to retention—while optimizing payment costs and enabling future cross-border and stablecoin payment capabilities.
Responsibilities
End-to-end user flows: top-up, spend, hold, transfer, withdrawal constraints
Reward/interest/earnings experience: calculation rules, display logic, user transparency
Clear product boundaries under Canadian & US regulatory frameworks
Designing money movement logic that increases retention, improves success rate, and supports future expansion
Partner closely with Legal, Compliance, and Banking/Custody providers to translate regulatory requirements into executable product logic, including:
KYC/KYB and identity requirements
Account type / balance restrictions and transaction limitations
Monitoring, exceptions, and user-facing constraints designed for compliance-first scale
Build deep product-level understanding and participate in designing these payment rails and their user-facing integration:
Pay-by-Bank / A2A / Real-time payments
Card payments (Visa / Mastercard) including concepts such as 3DS, dispute & chargeback, liability shift, MCC, authorization behavior, and settlement constraints
Work with Risk and Finance to optimize payment cost structure and protect margins:
Improve blended payment costs and steer users toward lower-cost payment paths
Reduce chargeback exposure through risk-aware product design
Design incentives and UX mechanisms that balance conversion, cost, and experience
Build frameworks and decision models to align product growth with sustainable unit economics
Support Snaplii’s longer-term strategy around cross-border and stablecoin-powered payments:
Understand how USDC/USDT can enable real-world consumer spending in North America
Explore Snaplii’s potential role as the “last-mile consumer spending layer”
You don’t need to be a crypto trader. But we do expect a practical understanding of where stablecoins create real value in payment flows.
Qualifications
5+ years of experience in fintech product, payments, or wallet/stored value products
Hands-on experience building or operating wallet/payment products in Canada and/or the US
Deep understanding of at least 2 of the following domains:
Wallet / stored value / balance products
Bank-to-bank payments (A2A, RTP, EFT, ACH)
Strong capability to work with and influence cross-functional partners: Legal, Compliance, Banking/Custody, PSPs
Ability to simplify complex financial/regulatory requirements into clear product specs and scalable systems
Required Skills
Experience partnering with custodian banks, trust accounts, issuers, PSPs
Familiarity with MSB / PSP registration-related product design
Proven track record launching compliant wallet/balance products from pilot to scale
Practical understanding of cross-border payments / stablecoin rails / PayFi
Experience building products 0→1 or scaling from compliance-constrained MVP to mass adoption
Equal Opportunity Statement Snaplii is committed to diversity and inclusivity in the workplace. We encourage applications from all qualified individuals and are dedicated to creating an inclusive environment for all employees.
#J-18808-Ljbffr
H-1B transfer/sponsorship
and, where appropriate,
U.S. green card sponsorship . Immigration support is provided based on role fit, candidate qualifications, and business needs.
About the Company Snaplii is one of Canada’s fastest-growing fintech platforms, transforming how people pay, save, and earn rewards. With over $100M in annual transaction volume and 200,000+ users across North America, we deliver unmatched utility and loyalty through a single seamless app. We’ve ranked as high as #5 on the Apple App Store during peak shopping seasons, and consistently remain in the Top 40, driven by a highly engaged, high-retention user base. Snaplii supports 500+ leading brands including Walmart, Amazon, and Esso, with a platform fully built and maintained in-house—engineered to scale and support a growing suite of financial products.
About the Role We are looking for a Fintech Product Manager who truly understands how money is stored, moved, and spent—and can translate that understanding into a compliant, scalable product system. In this role, you will own Snaplii’s next-generation wallet/balance products (Wallet 2.0) and core payments architecture across Canada and the United States. You will design the end-to-end user money flow—from funding to spending to retention—while optimizing payment costs and enabling future cross-border and stablecoin payment capabilities.
Responsibilities
End-to-end user flows: top-up, spend, hold, transfer, withdrawal constraints
Reward/interest/earnings experience: calculation rules, display logic, user transparency
Clear product boundaries under Canadian & US regulatory frameworks
Designing money movement logic that increases retention, improves success rate, and supports future expansion
Partner closely with Legal, Compliance, and Banking/Custody providers to translate regulatory requirements into executable product logic, including:
KYC/KYB and identity requirements
Account type / balance restrictions and transaction limitations
Monitoring, exceptions, and user-facing constraints designed for compliance-first scale
Build deep product-level understanding and participate in designing these payment rails and their user-facing integration:
Pay-by-Bank / A2A / Real-time payments
Card payments (Visa / Mastercard) including concepts such as 3DS, dispute & chargeback, liability shift, MCC, authorization behavior, and settlement constraints
Work with Risk and Finance to optimize payment cost structure and protect margins:
Improve blended payment costs and steer users toward lower-cost payment paths
Reduce chargeback exposure through risk-aware product design
Design incentives and UX mechanisms that balance conversion, cost, and experience
Build frameworks and decision models to align product growth with sustainable unit economics
Support Snaplii’s longer-term strategy around cross-border and stablecoin-powered payments:
Understand how USDC/USDT can enable real-world consumer spending in North America
Explore Snaplii’s potential role as the “last-mile consumer spending layer”
You don’t need to be a crypto trader. But we do expect a practical understanding of where stablecoins create real value in payment flows.
Qualifications
5+ years of experience in fintech product, payments, or wallet/stored value products
Hands-on experience building or operating wallet/payment products in Canada and/or the US
Deep understanding of at least 2 of the following domains:
Wallet / stored value / balance products
Bank-to-bank payments (A2A, RTP, EFT, ACH)
Strong capability to work with and influence cross-functional partners: Legal, Compliance, Banking/Custody, PSPs
Ability to simplify complex financial/regulatory requirements into clear product specs and scalable systems
Required Skills
Experience partnering with custodian banks, trust accounts, issuers, PSPs
Familiarity with MSB / PSP registration-related product design
Proven track record launching compliant wallet/balance products from pilot to scale
Practical understanding of cross-border payments / stablecoin rails / PayFi
Experience building products 0→1 or scaling from compliance-constrained MVP to mass adoption
Equal Opportunity Statement Snaplii is committed to diversity and inclusivity in the workplace. We encourage applications from all qualified individuals and are dedicated to creating an inclusive environment for all employees.
#J-18808-Ljbffr