Wallet & Card Program Manager

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

Description

Ria Money Transfer, a business segment of Euronet Worldwide, Inc. (NASDAQ: EEFT), delivers innovative financial services including fast, secure, and affordable global money transfers to millions of customers along with currency exchange, mobile top-up, bill payment and check cashing services, offering a reliable omnichannel experience. With over 600,000 locations in nearly 200 countries and territories, our purpose remains to open ways for a better everyday life.

We believe we can create a world in which people are empowered to build the life they dream of no matter who they are or where they are. One customer, one family, one community at a time

ABOUT THIS ROLE

We are seeking a Wallet & Card Program Manager to lead the strategy, design, and technical implementation of our digital wallet, deposit account and debit card programs in the United States. This role sits at the intersection of product, payments technology, and U.S. banking regulation, and will own the end-to-end lifecycle of wallet and card solutions — from product vision through sponsor bank, processor and network integration, to launch and optimization.

The ideal candidate combines strong product thinking with hands‑on understanding of sponsor bank (BaaS) programs, card issuing and U.S. payment rails, digital wallets and core banking integrations

ROLES & RESPONSIBILITIES

• Define and execute the strategic roadmap for Deposit Accounts (checking and savings), Debit Cards, and Digital Wallet capabilities, aligning with company growth strategy, U.S. regulatory requirements, and market opportunities
• Continuously evaluate U.S. market trends, competitive neobank and fintech offerings, and customer needs to identify opportunities for new product features and monetization models (interchange, subscriptions, deposit economics).
• Design and oversee the end-to-end card and wallet ecosystem architecture, integrating internal systems with sponsor bank, core banking/processor, card network and other fintech partner platforms
• Drive end-to-end testing and validation to ensure Accounts and Card functionalities operate seamlessly across all platforms during each product implementation and release
• Prioritize initiatives and maintain a structured product backlog and delivery roadmap balancing regulatory, operational, and customer experience needs.
• Gather and prioritize requirements from internal stakeholders including business, operations, compliance, and customer support
• Define functional requirements and translate business requirements into clear product specifications for core banking capabilities supporting deposit accounts and cards
• Drive innovation in wallet functionality, including card controls, real‑time payments (RTP / FedNow), ACH and direct deposit, tokenized payments (Apple Pay / Google Pay), APY‑bearing savings, remote check deposit, cash load networks and integration with cross‑border remittance.
• Manage strategic relationships with sponsor banks, card schemes (e.g., Visa / Mastercard), card processors, and other payment infrastructure providers
• Partner with Compliance, Legal and the sponsor bank to ensure programs meet U.S. requirements, including Regulation E, Regulation DD, Regulation II (Durbin), BSA/AML, OFAC, FDIC pass‑through insurance, CFPB/UDAAP expectations and card network operating rules
• Define and manage the full product lifecycle of Deposit Account and Card products
• Ensure operational teams have the processes, tools, and documentation needed to support payment products effectively
• Ensure strong program governance, tracking delivery progress, managing risks, and ensuring timely resolution of blockers

COMPETENCIES

• Strategic thinking with strong execution mindset
• Strong technical fluency
• Structured program management
• Data‑driven decision making
• Vendor management expertise
• Excellent stakeholder communication skills

POSITION REQUIREMENTS

• 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
• This is a high‑impact role for someone who can bridge product vision and technical execution to build best‑in‑class wallet and card experiences

PERKS & BENEFITS

• 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 events, and much more!

Ria Money Transfer offers a competitive salary and benefits package. The reasonable estimated pay for this (Salary Exempt or Non-exempt hourly rate)role ranges from ($100,000USD to $125,000USD). Actual compensation is based upon factors such as the candidate’s skills, qualifications, and experience.In addition, Ria Money Transfer offers comprehensive and inclusive employee benefits for this role including healthcare, dental and vision benefits, a 401(K) plan, Paid Vacation/ Sick Leave and more.

Ria Money Transfer is an Equal Employment Opportunity employer. All qualified applicants will be considered for employment regardless of age, national origin, race, color, disability, religion, sexual orientation, gender identity or expression, or any other characteristic protected under applicable law. We celebrate diversity and are committed to creating an inclusive environment for all employees.We are committed to providing reasonable accommodations to qualified individuals with disabilities. If you need assistance or an accommodation due to a disability, you may contact us at [e-mail].

Check out our website to learn more about the company at: http://www.riamoneytransfer.com/

The position responsibilities outlined above are intended to define the general contents and requirements to perform this job. It is not to be taken as a complete statement of responsibilities or requirements. This job description does not restrict the Company’s right to assign or reassign duties and responsibilities to this job as needed.