Senior ACH Product Manager

TRS Recovery Services; Berkeley Heights (NJ); On-site; USD 120,000 - 198,000; Full time

Job summary

Fiserv is seeking a Senior ACH Product Manager in the U.S. to shape the ACH payments portfolio, define strategy, modernization, and delivery of scalable capabilities for financial institutions and commercial customers.

You will lead cross-functional teams across technology, operations, sales, client teams, risk, and compliance to turn market needs into measurable business outcomes, with a focus on origination, receipt, and settlement processes.

Qualifications

• 7+ years of experience in product management, payments, fintech, treasury, banking, or related field.
• Strong knowledge of U.S. ACH payments and Nacha ecosystem.
• Experience developing product strategies, roadmaps, and requirements for complex technology products.
• Understanding of payment processing, clearing, settlement, risk, and fraud.
• Experience working with financial institutions and enterprise payment platforms.
• Strong client engagement, communication, and stakeholder-management skills.
• Ability to work effectively across product, technology, operations, sales, risk, and compliance teams.
• Bachelor's degree or equivalent relevant experience.

Responsibilities

• Define and execute the U.S. ACH product strategy and roadmap, balancing client needs, market opportunities, regulatory requirements, and modernization priorities.
• Serve as a product and market expert for ACH payments, including origination, receipt, returns, exceptions, settlement, risk, and fraud.
• Stay current on Nacha, the Federal Reserve, financial institutions, fintechs, and the broader U.S. payments ecosystem.
• Partner with technology, architecture, and product owners to translate strategy into prioritized product capabilities and requirements.
• Engage directly with financial institutions to understand their payments strategies, challenges, and emerging needs.
• Drive modernization focused on scalability, resiliency, automation, integration, and operational efficiency.
• Partner with Sales and Client Management on strategic opportunities, client retention, adoption, and growth.
• Develop business cases and investment priorities based on client value, market opportunity, risk, and business impact.
• Collaborate across ACH and adjacent payment capabilities to support a broader multi-rail money movement strategy.

Skills

7+ years experience

ACH payments

Roadmaps

Requirements gathering

Cross-functional collaboration

Stakeholder management

Education

Bachelor's degree

Job description

Calling all innovators - find your future at Fiserv.

We're Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants and consumers to one another millions of times a day - quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we're involved. If you want to make an impact on a global scale, come make a difference at Fiserv.

Job Title

Senior ACH Product Manager

What does a successful Senior Product Manager do?

As a Senior Product Manager for U.S. ACH, you will help shape the future of our ACH payments portfolio, defining product strategy, driving modernization, and delivering capabilities that meet the evolving needs of financial institutions and their commercial customers.

You will combine deep payments knowledge with strong product leadership, working across technology, operations, sales, client teams, risk, and compliance to turn market and client needs into scalable solutions and measurable business outcomes.

What you will do:

• Define and execute the U.S. ACH product strategy and roadmap, balancing client needs, market opportunities, regulatory requirements, and modernization priorities.
• Serve as a product and market expert for ACH payments, including origination, receipt, returns, exceptions, settlement, risk, and fraud.
• Stay current on developments across Nacha, the Federal Reserve, financial institutions, fintechs, and the broader U.S. payments ecosystem.
• Partner with technology, architecture, and product owners to translate strategy into prioritized product capabilities and requirements.
• Engage directly with financial institutions to understand their payments strategies, challenges, and emerging needs.
• Drive modernization focused on scalability, resiliency, automation, integration, and operational efficiency.
• Partner with Sales and Client Management on strategic opportunities, client retention, adoption, and growth.
• Develop business cases and investment priorities based on client value, market opportunity, risk, and business impact.
• Collaborate across ACH and adjacent payment capabilities to support a broader multi-rail money movement strategy.

What you will need:

• 7+ years of experience in product management, payments, financial technology, treasury management, banking, or a related field.
• Strong knowledge of U.S. ACH payments and the Nacha ecosystem.
• Experience developing product strategies, roadmaps, and requirements for complex technology products.
• Understanding of payment processing, clearing, settlement, exception processing, risk, and fraud.
• Experience working with financial institutions and enterprise payment platforms.
• Strong client engagement, communication, and stakeholder-management skills.
• Ability to work effectively across product, technology, operations, sales, risk, and compliance teams.
• Bachelor's degree or equivalent relevant experience.

What would be nice to have:

• Experience with enterprise or high-volume ACH processing platforms.
• Knowledge of commercial banking and treasury management.
• Experience with modern payment architecture, APIs, and cloud technologies.
• Understanding of adjacent payment rails, including instant payments and wires.
• AAP or APRP accreditation is a plus.

Salary Range

Salary Range $120,000.00 - $198,000.00

These pay ranges apply to employees in New Jersey and New York. Pay ranges for employees in other states may differ.

It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.

For incentive eligible associates, the successful candidate is eligible for an annual incentive opportunity which may be delivered as a mix of cash bonus and equity awards in the Company's sole discretion.

Our commitment to Equal Opportunity:

Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law.

If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contact [e-mail] . Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv's Disability Accommodation Policy for additional information.

Note to agencies:

Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicit