Product Owner

Globalchannelmanagement; Charlotte (NC); On-site; USD 100,000 - 150,000; Full time

Job summary

Globalchannelmanagement is seeking a Product Owner for Consumer Payments to drive digital payment experiences across consumer rails such as Zelle, bill pay, transfers, ACH and wires.

You will collaborate with Product, Technology, Operations, Servicing and Fraud to ensure secure, compliant and customer-friendly payment flows while refining backlogs and defining clear user stories.

Qualifications

• Experience writing detailed user stories for payment features.
• Proven ability to manage backlogs and prioritize using Agile methods.
• Experience with sprint planning and reviews.
• Knowledge of ACH and wire transfer processes.
• Understanding of NACHA, OFAC regulations.
• Strong stakeholder communication across departments.
• Experience maintaining banking process docs and release notes.

Responsibilities

• Backlog ownership for consumer payment rails (Zelle, bill pay, transfers, ACH, wires).
• Define requirements with clear user stories and customer impact.
• Facilitate sprint planning and reviews to ensure readiness for development.
• Make day-to-day prioritization and defect-resolution decisions.
• Maintain comprehensive product docs, rules, scenarios, and release notes.

Skills

Agile execution

User stories

Sprint planning

Decision making

Documentation

Stakeholder mgmt

Payment knowledge

Regulatory compliance

Risk management

Tools

Jira

Confluence

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.