Wallet & Card Product Lead — Hybrid & Growth

Ria Money Transfer, INC.; Buena Park (CA); Hybrid; USD 100,000 - 125,000; Full time

Benefits offered by this job

Medical, Dental & Vision Insurance

401K Plan with Match

Employee Stock Purchase Plan

Paid Vacation / Sick Leave

Hybrid Work Schedule

Tuition Assistance

Growth Opportunities

Corporate gatherings, team bonding

Job summary

Ria Money Transfer, INC. in the United States seeks a Wallet & Card Program Manager to lead strategy, design, and technical implementation of digital wallet, deposit accounts and debit card programs, spanning sponsor bank, processor and network integration to launch and optimize. The role blends product thinking with hands-on understanding of BaaS, U.S.

payments rails, and regulatory requirements. You will define roadmaps, drive architecture, ensure compliance, and collaborate with compliance,

Qualifications

• 5+ years in fintech, payments, or digital banking, ideally in the U.S. market.
• Hands-on experience with U.S. debit card issuing programs and digital wallet integrations.
• Experience working with sponsor banks / Banking-as-a-Service (BaaS) partners, third-party processors and core banking platforms.
• Working knowledge of U.S. payment rails (ACH, RTP / FedNow, debit networks) and consumer banking regulation (Reg E, Reg DD, Reg II, BSA/AML).
• Ability to translate strategy into scalable products.
• Bridge product vision and technical execution to build wallet and card experiences.

Responsibilities

• Define and execute strategic roadmap for Deposit Accounts, Debit Cards and Digital Wallets.
• Evaluate market trends and opportunities for new features and monetization.
• Design and oversee end-to-end wallet/card ecosystem architecture.
• Drive end-to-end testing and validation across platforms during product implementations.
• Prioritize initiatives with a structured backlog and delivery roadmap.
• Gather requirements from internal stakeholders (business, operations, compliance, support).
• Define functional requirements for core banking capabilities supporting deposits and cards.
• Drive wallet innovations: card controls, real-time payments, tokenized payments, APY savings, remote check deposits, load networks.
• Manage sponsor banks, card schemes (Visa/Mastercard), processors and providers.
• Ensure regulatory compliance with Reg E, Reg DD, Reg II, BSA/AML, OFAC, CFPB/UDAAP and card network rules.
• Define and manage full product lifecycle of deposit accounts and cards.
• Ensure operations have tools and documentation to support payments products.
• Govern delivery progress, manage risks, and resolve blockers.

Skills

Strategic thinking

Technical fluency

Program management

Data-driven decision making

Vendor management

Stakeholder communication

Job description

Ria Money Transfer, INC. in the United States seeks a Wallet & Card Program Manager to lead strategy, design, and technical implementation of digital wallet, deposit accounts and debit card programs, spanning sponsor bank, processor and network integration to launch and optimize. The role blends product thinking with hands-on understanding of BaaS, U.S.

payments rails, and regulatory requirements. You will define roadmaps, drive architecture, ensure compliance, and collaborate with compliance,