Senior ACH Product Manager

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Job Title

Senior ACH Product Manager

What does a successful Senior Product Manager do?

As a Senior Product Manager for U.S. ACH, you will help shape the future of our ACH payments portfolio, defining product strategy, driving modernization, and delivering capabilities that meet the evolving needs of financial institutions and their commercial customers.

You will combine deep payments knowledge with strong product leadership, working across technology, operations, sales, client teams, risk, and compliance to turn market and client needs into scalable solutions and measurable business outcomes.

What you will do:

• Define and execute the U.S. ACH product strategy and roadmap, balancing client needs, market opportunities, regulatory requirements, and modernization priorities.
• Serve as a product and market expert for ACH payments, including origination, receipt, returns, exceptions, settlement, risk, and fraud.
• Stay current on developments across Nacha, the Federal Reserve, financial institutions, fintechs, and the broader U.S. payments ecosystem.
• Partner with technology, architecture, and product owners to translate strategy into prioritized product capabilities and requirements.
• Engage directly with financial institutions to understand their payments strategies, challenges, and emerging needs.
• Drive modernization focused on scalability, resiliency, automation, integration, and operational efficiency.
• Partner with Sales and Client Management on strategic opportunities, client retention, adoption, and growth.
• Develop business cases and investment priorities based on client value, market opportunity, risk, and business impact.
• Collaborate across ACH and adjacent payment capabilities to support a broader multi-rail money movement strategy.

What you will need:

7+ years of experience in product management, payments, financial technology, treasury management, banking, or a related field.

Strong knowledge of U.S. ACH payments and the Nacha ecosystem.

Experience developing product strategies, roadmaps, and requirements for complex technology products.

Understanding of payment processing, clearing, settlement, exception processing, risk, and fraud.

Experience working with financial institutions and enterprise payment platforms.

Strong client engagement, communication, and stakeholder-management skills.

Ability to work effectively across product, technology, operations, sales, risk, and compliance teams.

Bachelor's degree or equivalent relevant experience.

What would be nice to have:

Experience with enterprise or high-volume ACH processing platforms.

Knowledge of commercial banking and treasury management.

Experience with modern payment architecture, APIs, and cloud technologies.

Understanding of adjacent payment rails, including instant payments and wires.

AAP or APRP accreditation is a plus.

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