Job Description:
The Product Owner for Consumer Payments supports the strategy, development, and day-to-day delivery of digital payment experiences across the bank's consumer payment ecosystem (Zelle, bill pay, internal/external transfers, ACH, and domestic wires). This role bridges the gap between Product Managers, Technology, Operations, and cross-functional teams.
REQUIRES:
Agile Execution: Proven ability to write detailed user stories defining functionality, business/payment rules, exception flows, and customer experience considerations.
Sprint Management: Active participation in sprint planning and reviews to ensure payment features are fully refined and ready for development.
Tactical Decision-Making: Ability to make day-to-day choices regarding payment priorities, feature trade-offs, and defect resolutions.
Documentation: Experience maintaining process flows, banking business rules, payment scenarios, and release notes.
Stakeholder Management: Skill in communicating updates, risks, and changes across Product, Operations, Servicing, and Technology departments.
Core Agile Tools: Strong, hands-on experience using Jira (backlog/sprints) and Confluence (documentation/collaboration).Technical Payment Knowledge: Working knowledge of ACH and/or wire transfer processes (initiation, processing, settlement, exceptions, returns, and controls).Risk & Regulatory Compliance: Understanding of payment controls, operational risk, fraud prevention, and regulatory frameworks including NACHA, OFAC, approvals, and banking audit requirements.
Core Responsibilities & Daily Execution:
Backlog Ownership: Create, prioritize, and maintain the product backlog specifically for consumer payment rails (Zelle, bill pay, internal/external transfers, ACH, and wires).Requirements Definition: Write clear user stories defining functionality, backend payment rules, exception flows, and customer experience considerations.
Sprint Facilitation: Participate in sprint planning and reviews to ensure payment features are refined, well-understood, and ready for development.
Tactical Decision-Making: Make day-to-day choices regarding priorities, feature trade-offs, and defect resolutions to prevent development bottlenecks.
Documentation & Mapping: Maintain exhaustive product documentation, including process flows, business rules, payment scenarios, and release notes across all payment types.
Cross-Functional Collaboration:
Team Alignment: Partner cross-functionally with UX, Development, IT, Fraud, Compliance, Servicing, and Marketing to ensure updates meet both business goals and customer safety expectations.
Stakeholder Communication: Serve as the central point of contact to broadcast progress, updates, risks, and changes across Product, Operations, Servicing, and Technology divisions.
