Product Owner, Payments and Infrastructure

Flex; United States; Remote; USD 150,000 - 250,000; Full time

Job summary

Flex is building an AI-native, private bank platform for high-revenue business owners. You will own payments infrastructure, lead vendor strategy across acquiring, international money movement, and partner banks, and guide the transition from partner licenses to direct money transmitter licenses.

Expect deep collaboration with Tier 1 banks and fintech partners. You will drive architecture for multi-provider rails, negotiate with top institutions, and scale a growing payments team to support a

Qualifications

• 4 to 9+ years of payments-focused product experience.
• Experience owning vendor relationships and technical implementations with top-tier providers.
• Understanding of money movement, licensing transitions, and vendor risk in payments.

Responsibilities

• Own major Tier 1 bank partner implementations and the broader partner strategy.
• Architect a multi-provider payments stack across acquiring, cross-border movement, and partner banks.
• Lead vendor selection across new payment rails domestically and internationally.
• Drive the MTL acquisition process and translate licensing transitions for the company.
• Build a framework for international money movement across corridors to balance UX and risk.
• Represent the company in negotiations with large financial institutions.
• Collaborate with engineering on implementation cadence as the payments pod scales.

Skills

Payments product

Vendor management

Banking/fintech conversations

Tools

Marqeta

Lithic

Stripe Issuing

Adyen Issuing

Galileo

Highnote

Checkout.com

Job description

About the companythe company 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.

the company 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 RoleYou will build the company's payments infrastructure. You will lead our vendor strategy across acquiring, international money movement, and partner banks. You will architect how the company 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 the company 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 doOwn 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 the company 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 the company 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 need4 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 haveDirect 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.

CompensationAdditional Information