Product Owner (Consumer Payments)

Globalchannelmanagement; Charlotte (NC); On-site; USD 110,000 - 150,000; Full time

Job summary

Globalchannelmanagement in Charlotte, NC is seeking a Product Owner for Consumer Payments to guide development of digital payment experiences across Zelle, bill pay, transfers, ACH, and wires, bridging Product, Technology, and Operations.

The role focuses on backlog ownership, user-story writing, sprint facilitation, risk management, and cross-functional collaboration with UX, Fraud, Compliance, Servicing, and Marketing to meet business goals and ensure secure, compliant payment flows.

Qualifications

• Proven ability to write detailed user stories defining functionality, business/payment rules, exception flows, and customer experience considerations.
• Experience with sprint planning and reviews to ensure payment features are refined and ready for development.
• Ability to make day-to-day decisions regarding payment priorities, feature trade-offs, and defect resolutions.
• Experience maintaining process flows, banking business rules, payment scenarios, and release notes.
• Skill in communicating updates, risks, and changes across Product, Operations, Servicing, and Technology departments.
• Hands-on experience using Jira and Confluence for backlog management and documentation.
• Working knowledge of ACH and/or wire transfer processes (initiation, processing, settlement, exception flows, returns, and controls).
• Understanding of payment controls, operational risk, fraud prevention, and regulatory frameworks including NACHA, OFAC, approvals, and banking audit requirements.

Responsibilities

• 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.
• Team Alignment: Partner cross-functionally with UX, Development, IT, Fraud, Compliance, Servicing, and Marketing to ensure updates meet 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.

Skills

Agile execution

User stories

Sprint management

Backlog ownership

Requirements definition

Stakeholder management

Cross-functional collaboration

Team communication

Risk & regulatory awareness

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, exception flows, 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.