Director, Product Management - A2A & Money Movement

Role Description

As Director of Product Management, A2A & Money Movement, you own the strategy, roadmap, and business outcomes for NMI's Account-to-Account (A2A) bank payment capabilities. This is a player-coach role. You will set direction, lead a small but impactful team of PMs and Designers, and stay deeply hands-on—writing requirements, joining customer calls, negotiating with partners, and making the hard product calls when needed.

This A2A team was established through NMI's acquisition of Dwolla, a leading ACH and real-time payments platform. You will inherit a strong foundation, live product, existing rails and relationships, and a seasoned team to build upon and scale within NMI's broader partner ecosystem.

This team owns NMI's strategy and execution across all money movement modalities:

• ACH (standard and same-day)
• Real-time payments (RTP/FedNow)
• Push-to-card
• Open banking / pay-by-bank
• Bank account verification
• Cross-border transfers

This is not a maintenance role—it is a build role. You will be setting strategy in a space that is moving fast, with real revenue implications and growing partner demand.

You will:

• Own the product vision and multi-year roadmap across A2A rails: ACH (standard and same-day), RTP, FedNow, push-to-card, open banking, disbursements, and payouts
• Define the business case and go-to-market strategy for each money movement capability with clear revenue targets, margin expectations, and partner adoption metrics
• Build and manage a product P&L for the money movement value stream; review quarterly with Finance and report outcomes to CPO
• Develop deep understanding of partner and merchant use cases—disbursements, refunds, insurance payouts, earned wage access, B2B transfers, settlement, payroll, and collections—and translate them into a differentiated product strategy
• Lead bank, ODFI/RDFI, and payment network relationships (Nacha, The Clearing House, FedNow Service, etc.) in partnership with Business Development
• Partner with Engineering leadership on ledger, settlement, reconciliation, and fraud/risk architecture for A2A rails
• Define bank account verification strategy—micro-deposits, instant verification, open banking connectivity—and own the partner integration approach
• Establish fraud, compliance, risk and operational frameworks for A2A products in collaboration with Legal, Compliance, Risk and Payment Ops
• Champion A2A capabilities internally and externally, building awareness and advocacy across Sales, Partner Success, and peer product teams to drive cross-functional alignment and surface new use cases
• Drive cross-sell and upsell of A2A capabilities into NMI's existing partner base of 6,000+ ISOs and ISVs
• Build, manage, and develop a team of PMs and Designers: set OKRs, maintain growth plans, run performance management
• Use AI tools actively in your workflow—spec writing, competitive analysis, customer feedback synthesis, discovery acceleration—and set that expectation for your team
• Represent A2A externally: customer workshops, sales calls, industry conferences, and written thought leadership
• Contribute to NMI product culture: share market insights, mentor PMs across value streams, participate in hiring and onboarding

Qualifications

• 8+ years in product management with at least 5 years in payments or financial services
• Hands-on experience owning A2A payment products—ACH, RTP, FedNow, push-to-card, or open banking—not just card processing
• Demonstrated track record of building and growing revenue-generating payment products
• 3+ years managing a team of PMs, with a track record of developing talent and raising the bar
• Experience leading and scaling geographically distributed teams in a fast-paced, high-performance business unit
• Experience leading product through a corporate acquisition, including integration strategy, platform consolidation, and team culture alignment
• Player/coach mentality
• Strong commercial instincts
• Deep experience working directly with customers
• Experience partnering directly with Engineering on payment system architecture
• Proven use of data-driven insights to quickly identify key performance drivers
• Exceptional execution skills with a bias towards action
• Fluent with AI tools for product work
• Exceptional communicator
• Proven ability to operate in ambiguity and build structure where none exists

Requirements

• Experience with open banking platforms (Plaid, MX, Finicity, or similar)
• Nacha Accredited ACH Professional (AAP) or equivalent knowledge of ACH operating rules and Reg-E requirements
• Experience with cross-border money movement or FX
• SaaS or B2B embedded finance background
• MBA or equivalent experience in high-growth fintech

Benefits

• A remote first culture!
• Competitive compensation and benefits
• Personal growth and advancement opportunities
• Flex PTO & dedicated sick time
• Health, Dental and Vision Insurance
• Life, ADD, Short-term and Long-term Disability insurance
• 401k matching up to 4% after two months of service
• Flexible Spending Account
• Paid Parental Leave
• Company volunteer days
• Employee referral program
• Bonusly colleague recognition