Senior Associate - Zelle Expansion

Aumni; New York (NY); On-site; USD 140,000 - 180,000; Full time

Job summary

Chase is seeking an experienced Product Manager to lead the Zelle Expansion into commerce payments, partnering across product, engineering, design, operations, risk, and external stakeholders to create a bank-direct payment method that supports account transfers, e-commerce, POS, and bill payment experiences.

You will translate strategy into roadmaps, customer journeys, and measurable outcomes, defining data needs to prioritize improvements and drive adoption for merchant acceptance and

Qualifications

• Minimum 5+ years of product management experience.
• Experience building and launching digital payments products.
• Experience in commerce payments, including merchant acceptance for e-commerce and/or POS.
• Ability to translate complex problems into clear requirements, roadmaps, and prioritization decisions.
• Experience partnering with engineering, design, and data teams to deliver products from discovery through launch.
• Ability to align diverse stakeholders and drive execution in a cross-functional environment.
• Familiarity with payment risk, fraud considerations, and control requirements for commerce transactions.
• Familiarity with language models, and applications within product management.

Responsibilities

• Define the product vision, strategy, and roadmap to expand Zelle into commerce payment use cases.
• Identify target customer segments, journeys, and priority use cases; translate into clear requirements.
• Design end-to-end checkout and payment experiences balancing speed, security, usability, and trust.
• Partner with engineering and design to deliver scalable capabilities (APIs, integrations, and platform features).
• Develop network and ecosystem requirements in collaboration with banks and external partners.
• Define product data needs, instrumentation, and success metrics; use insights to prioritize improvements.
• Coordinate with risk, compliance, and operations to ensure proper controls and protections.
• Lead AI-enabled cross-functional execution from discovery through launch, pilot planning and rollout.
• Communicate decisions, trade-offs, and progress to stakeholders and senior leaders.
• Drive new operating models for an AI-first product development lifecycle.

Skills

Product management

Digital payments

Commerce payments

Cross-functional collaboration

AI/ML familiarity

Strategic thinking

Tools

APIs

Payment rails

Job description

We are looking for an experienced Product Manager to join a team expanding Zelle beyond P2P payments—a groundbreaking pay-by-bank payment method that will enable merchants and banks to offer customers instant, secure account transfers, bill payments and checkout powered by the Zelle network and real-time payment rails. This is a 0-to-1 product build that will bring Zelle to new environments, challenging traditional card and payment networks with a superior, bank-direct alternative. The ideal candidate brings deep expertise in commerce payments—including e-commerce, point-of-sale, and merchant payment acceptance—and thrives at the intersection of product strategy, network design, and customer experience. You will help define the data, features, and user experiences unique to commerce use cases. If you want to shape the future of how America pays and moves money, this is the role.

As a Product Manager in Chase Banking Payments on the Zelle Expansion team you will define and deliver new payment experiences that expand Zelle beyond person-to-person payments. You will partner across product, engineering, design, operations, risk, and external stakeholders to create a bank-direct payment method that supports account transfers, e-commerce, point-of-sale (POS), and bill payment experiences. You will translate strategy into clear roadmaps, customer journeys, and measurable outcomes.

Job responsibilities

• Define the product vision, strategy, and roadmap to expand Zelle into commerce payment use cases (e-commerce, POS), while supporting strategy and execution for bill payment use cases
• Identify target customer segments, key user journeys, and priority use cases, and translate them into clear product requirements
• Design end-to-end checkout and payment experiences that balance speed, security, usability, and trust
• Partner with engineering and design to deliver scalable capabilities (APIs, integrations, and platform features) that enable merchant acceptance
• Develop network and ecosystem requirements in collaboration with participating banks and external partners
• Define product data needs, instrumentation, and success metrics; use insights to prioritize improvements and drive adoption
• Coordinate with risk, compliance, and operational teams to ensure the product is delivered with appropriate controls and customer protections
• Lead AI-enabled cross-functional execution from discovery through launch, including pilot planning, rollout readiness, and post-launch iteration
• Communicate decisions, trade-offs, and progress clearly to stakeholders and senior leaders
• Drive new operating models for an AI-first product development lifecycle

Required qualifications, capabilities and skills

• Minimum 5+ years of product management experience required for this role
• Experience building and launching digital payments products, including customer-facing experiences and supporting platform capabilities
• Experience in commerce payments, including merchant acceptance for e-commerce and/or point-of-sale (POS)
• Demonstrated ability to translate complex problems into clear requirements, roadmaps, and prioritization decisions
• Experience partnering with engineering, design, and data teams to deliver products from discovery through launch
• Ability to align diverse stakeholders and drive execution in a cross-functional environment
• Familiarity with payment risk, fraud considerations, and control requirements for commerce transactions
• Familiarity with language models, and applications within product management

Preferred qualifications, capabilities and skills

• Experience building pay-by-bank, account-to-account, or real-time payments solutions
• Experience with merchant integrations, checkout optimization, and payment acceptance journeys
• Familiarity with bank network models, ecosystem incentives, and multi-party product design
• Experience launching 0-to-1 products or new platforms in a regulated environment
• Experience working with payment rails and settlement concepts across bank-direct transfers

Applicants must be authorized to work for any employer in the US. We are not able to provide immigration sponsorship or take over sponsorship of an employment visa at this time. Final job grade level and corporate title will be determined at time of offer and may differ from this posting.

Chase is a leading financial services firm, helping nearly half of America’s households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

Equal Opportunity Employer/Disability/Veterans

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We’re proud to lead the U.S. in credit card sales and deposit growth and have the most‑used digital solutions – all while ranking first in customer satisfaction. Lead real-time payments: build next-gen Zelle for transfers, bills, e-commerce & POS—reshaping checkout in America.