Director Digital Wallets

Ria Money Transfer; Denver (CO); On-site; USD 170,000 - 190,000; Full time

Benefits offered by this job

3 weeks paid vacation

Health, dental, vision insurance

401(k) retirement with match

Employee Stock Purchase Plan

Job summary

Ria Money Transfer seeks a senior leader to own the wallet and card P&L and drive the US commercialization plan for the Ria Wallet and debit card. You will lead pricing, partnerships, and lifecycle programs across physical and digital channels, guiding teams across Product, Marketing, Finance, Compliance, and Risk.

Fluency in English and Spanish is required. You will shape the launch strategy, expand to North America, and develop partner deals with employers and payroll providers, while

Qualifications

• 10+ years in consumer financial services.
• P&L ownership with unit economics you built and can defend.
• Product launched through physical distribution (retail stores, agents, branches, or check cashers).
• Track record of delivering results through teams you don’t manage (e.g., Product & Marketing).
• Knowledge of sponsor-bank model and rules: Reg E, UDAAP, BSA/AML, CIP, Durbin.

Responsibilities

• Own the P&L and the plan; run commercialization from pilot to scale with entry, exit, and stop criteria.
• Set offers and pricing for load, cash-out, ATM, fees, and wallet-based services.
• Understand economics of funded wallets by channel and set payback gates for spend growth.
• Build the sales plan by channel (stores, agents, partners, digital) and design rewards for funded wallets.
• Lead marketing strategy: positioning, launch calendar, in-language creative, and held-out testing.

Skills

P&L ownership

Retail/agent distribution

Cross-functional leadership

Sponsor-bank knowledge

Credit economics

CRM programs

English & Spanish

Job description

Ria opens ways for a better everyday life. With presence in over 190 countries and more than 500,000 locations worldwide, Ria is now the largest real-time cross-border money movement network in the world. We are dedicated to helping millions of people send money where it matters. Whether it's to loved ones at home or anywhere around the world, we know our customers deserve more than just a fair price—they deserve empathy, hope, and ultimately, respect.

We are Ria Money Transfer. A subsidiary of Euronet Worldwide, Inc. (NASDAQ: EEFT), Ria is a leading expert in cross-border payments, delivering innovative financial services that bridge the gap between digital and physical spaces. Ria’s omnichannel products and services provide unprecedented consumer choice, including real-time payments, mobile wallets, currency exchange, home delivery, and cardless ATM payouts. Ria’s global infrastructure, powered by the Dandelion real-time, cross-border payments network, facilitates financial access for customers, agents and partners alike by creating new market opportunities and promoting economic growth around the world.

The Role

Ria is launching the Ria Wallet and debit card in the United States. The wallet is a stored-value account that customers can open and fund at a Ria store, at an agent location or in the app. The product is built. We need someone to turn it into a business.

You’ll own the wallet and card P&L and the commercial plan in the US, with expansion across North America to follow. You'll take the program from the Ria store pilot through agent waves to national scale, across our physical and digital channels, and add top-up, bill pay and consumer credit along the way. You’ll lead a small team of your own and work through teams you don’t manage, including Product, Marketing, Finance, Compliance, Risk, CARE and our store, agent and inside sales teams. Much of the job is getting those teams to deliver one plan. Our customers are largely underserved or unserved by banks, and many now pay a 1% federal excise tax on cash-funded transfers. Beyond cost, the lack of electronic payment methods and other financial services keeps them out of much of the digital economy and the opportunities that come with it.

The Impact We Expect

• A large and growing base of funded wallets
• More customers using the wallet as their main account
• Credit revenue that grows within the loss we planned for
• Remittance customers who send more often with Ria because the wallet makes it cheaper

What You’ll Do

• Own the P&L and the plan. Run the commercialization plan from pilot to scale: entry, exit, and stop criteria for each phase, a weekly cadence with the teams involved and a record of decisions.Reforecast with FP&A.
• Set the offer and pricing. Account, load, cash-out, ATM and card fees; whether the model is funded by interchange or by a membership fee; the discount on sends funded from the wallet; and pricing for bill pay, top-up, money orders and check cashing.
• Know the economics of each funded wallet. By channel: interchange, float, fees, credit loss, card and KYC cost, and incentives. Measure how much cash-send volume the wallet replaces and set the payback gates that decide when spend grows.
• Build the sales plan by channel. Ria stores first, then independent agents in waves, then partners, employers and digital. Design cashier and agent rewards that pay on funded wallets, with quality checks, clawbacks and protection for agents’ wire income.
• Lead marketing strategy by influence. Set positioning and the value proposition for each audience, and agree on the launch calendar, in-language creative and community marketing with the Marketing team. Prove paid media with holdout tests before it gets a larger budget.
• Build and lead the lifecycle team. Its programs cover:
• First load within 7 days, and first card use
• App activation for customers who enrolled at a counter
• Direct deposit and everyday card use
• Dormancy recovery and win-back
• Loyalty and repeat remittance
• Other aspects of consumer life-cycle
• Grow consumer credit. Start with overdraft, then small-dollar loans underwritten on remittance and wallet history. Agree pricing, limits, collections and disclosures with Risk and Product and decide with them when each product is ready to offer.
• Develop partner deals. White-label, embedded and employer or payroll partners, including H-2A and H-2B employers. Set the economics, who owns the customer and the data, and which deals to turn down.
• Put AI to work. Use it for analysis and forecasting, lifecycle targeting, customer service and messaging channels, and faster creative testing with Marketing.
• Report on:
• Funded wallets by channel
• Share of our US customers with a wallet
• App activation of store-issued cards
• Cost per funded wallet
• Credit loss against plan
• Remittance frequency of wallet holders
• Prepare expansion beyond the US, starting with Canada once the local payment rails are in place.

What you’ll bring

• 10+ years in consumer financial services, at least 5 of them leading go-to-market for a card, prepaid or deposit product in the US.
• P&L ownership, with unit economics you built yourself and can defend with Finance.
• A product launched through physical distribution, such as retail stores, agents, branches or check cashers, ideally alongside digital.
• A record of getting results through teams you don’t manage, including Product and Marketing.
• Working knowledge of the sponsor-bank model and its rules: Reg E, UDAAP, BSA/AML, CIP and Durbin.
• Enough understanding of consumer credit economics and regulation (fee versus loss, Reg Z, collections) to own pricing recommendations. Running a lending book is not required.
• Lifecycle or CRM programs that measurably moved customers from open to funded to primary.
• Professional fluency in English and Spanish.

Preferred

• Remittances or cross-border payments.
• Top-up and bill payments.
• A credit product tied to payments or remittances, such as pay later, earned wage access, overdraft or credit-builder.
• Payroll card or employer sales.
• Prepaid product work at a card network or program manager.
• Incentive design for agents or retail staff.
• Marketing to immigrant communities in their own language.
• Hands-on use of AI in marketing, CRM or analytics.
• Competitive salary and incentive.
• 3 weeks paid vacation+ personal days + sick time + holidays.
• Health, dental, vision and life insurance.
• 401(k) retirement plan with company match.
• Employee Stock Purchase Plan.
• Global Language Program offering language learning opportunities.
• Wellness initiatives supporting physical, mental, and financial well-being.
• Learning, development, and tuition assistance programs.
• A chance to grow your career in a mission-driven global company.

Why Join Us?

If you're a results-driven field sales professional who thrives on building relationships and creating growth opportunities, we’d love to hear from you. You'll be part of a fast-moving team where your contributions directly impact growth. We invest in our people with tools, mentorship, and opportunities to level up fast-whether that's moving into closing roles or leadership paths. You'll also play a key role in shaping how we go to market in the competitive payments space, using real insights and industry benchmarks to stay ahead of the curve. Ria Money Transfer offers a competitive salary and benefits package. The annual salary range for this position is $170,000 to $190,000. Actual compensation is based upon factors such as the candidate’s skills, qualifications, and experience.

Ria Money Transfer values diversity and is proud to be an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We provide equal opportunities to all employees and applicants, regardless of race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. At Ria Money Transfer, we are committed to making our recruitment practices barrier-free and as accessible as possible for everyone. This includes adjustments or changes for disabled people, neurodiverse people or people with long-term health conditions. If you would like us to do anything differently during the application, interview or assessment process, including providing information in an alternative format, please contact us at [e-mail]. The position responsibilities outlined above are intended to define the general scope and requirements for performing this job. It is not to be taken as a complete statement of responsibilities or requirements. This job description does not restrict the Company’s right to assign or reassign duties and responsibilities to this job as needed.