Product Owner, Payments and Infrastructure

flex.one; Northern (KY); Hybrid; USD 100,000 - 150,000; Full time

Job summary

Flex.one is looking for a skilled individual to build its payments infrastructure. This role involves leading the vendor strategy and transitioning from partner to direct licenses, requiring strong technical knowledge and experience with Tier 1 banks.

The ideal candidate has 4 to 9+ years in payments product experience, particularly in technical implementations and vendor relationships. Join us at Flex to innovate financial solutions.

Qualifications

• 4 to 9+ years of payments-specific product experience.
• Experience with money transmitter licensing transitions is preferred.
• Ability to discuss ACH, wire, card rails, and cross-border movement.

Responsibilities

• Own Tier 1 bank partner implementations and the bank partner strategy.
• Architect the multi-provider payments stack across acquiring and money movement.
• Lead vendor selection as Flex scales domestically and internationally.

Skills

Payments-specific product experience

Vendor relationship management

Technical implementation knowledge

Real-time payments knowledge

Negotiation skills with Tier 1 banks

Tools

Payment processors

Banking platforms

Job description

About Flex

Flex is building the AI-native private bank for super premium, closely held business owners.

We are re-architecting the entire financial system for entrepreneurs. From the first dollar a business earns to how that value compounds, moves, and is ultimately spent in real life. Banking, credit, payments, personal finance, financial operations, all rebuilt from the ground up as a single intelligent system.

Since launching publicly in September 2023, we have scaled from zero to nine-figure annualized revenue with a clear path to profitability by late 2026. We move fast, ship relentlessly, and operate with extreme ownership.

Our customers are affluent business owners with $3M to $200M in revenue. The backbone of the economy and one of the most underserved segments in finance. We are replacing the outdated banks and fragmented tools they are stuck with. The opportunity is a roughly $1T+ revenue market hiding in plain sight. We are building toward $100B+ in enterprise value by delivering a product that is fundamentally better, not incrementally improved.

Flex has raised $100M+ in equity and $300M+ in debt.

What we hold ourselves to: mission-critical problems, high bar low ego, speed over comfort, enduring impact.

Locations: Remote. Open to candidates in Canada, Mexico, the United States, Brazil, and Colombia.

The Role

You will build Flex's payments infrastructure. You will lead our vendor strategy across acquiring, international money movement, and partner banks. You will architect how Flex orchestrates multiple payment providers across bank partners, processors, and international rails into a single elegant customer experience. And you will be the product partner on our transition from operating on partner licenses to operating on our own money transmitter licenses, which is a foundational shift in how Flex works.

This seat requires someone who can hold a serious technical conversation with a Tier 1 bank, who has personally implemented payment rails at meaningful scale, and who can translate vendor selection into clear product decisions. The candidate we want has lived through at least one major payments transition (processor change, license expansion, or rails buildout) and knows what to watch for.

You do not need to be a lawyer. You do need to understand what the operational shift into a forward thinking strategy around money movement means, and be able to communicate the now program, the in-between, and the future program clearly to the rest of the company.

What you will do

Own major Tier 1 bank partner implementations and the broader bank partner strategy.

Architect the multi-provider payments stack across acquiring, international money movement, and partner banks. Tomorrow it means more rails, more corridors, more direct integrations.

Lead vendor selection across new payment rails as Flex scales domestically and internationally.

Partner to deliver our MTL acquisition process. Own the product implications of the partner-licensed-to-directly-licensed transition. Translate the operational change for the rest of the company.

Build the framework for international money movement across multiple corridors. Pair payment providers thoughtfully so the customer experience is elegant and the vendor risk is balanced.

Represent Flex in technical and commercial negotiations with the largest financial institutions in the world.

Partner with engineering on the implementation cadence. We have a small but growing payments pod and you will help us scale it as the surface area grows.

What you will need

4 to 9+ years of payments-specific product experience. Ready to build a function from the ground up.

You have personally owned vendor relationships and technical implementations with top-tier payment providers. You know the difference between what a vendor sells and what they actually deliver.

Money transmitter licensing transition experience is strongly preferred. If you have lived through a company going from partner-licensed to directly licensed, we want to talk to you. If you have not, the right candidate can still close on this gap. We can teach the MTL specifics. We cannot teach the judgment.

You can hold a technical conversation about ACH, wire, card rails, real-time payments, and cross-border money movement without needing translation.

You have negotiated with at least one Tier 1 bank or payment network and can walk us through what you learned.

Nice to have

Direct experience working with or alongside any of the following will help you ramp faster. None of these are required. The more of them you have touched, the more productive you will be on day one.

Tier 1 bank partners. JPMorgan Chase, Goldman Sachs, Wells Fargo, Citi, or comparable institutions on a real fintech partnership.

Card processors and issuing platforms. Marqeta, Lithic, Stripe Issuing, Adyen Issuing, Galileo, Highnote, Checkout.com.

Cross-border rails and international money movement. Airwallex, Wise, Nium, Currencycloud, Remitly, WorldRemit.

Bank infrastructure and BaaS platforms. Unit, Modern Treasury, Increase, Treasury Prime, Column, Lead, Synctera.